Date Received: 2023-11-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent dispute letter to the company on XX/XX/2023 and yet to have heard anything it it now XX/XX/2023,,, MIDLAND CREDIT MANAGEMENT has yet to send me a debt any owe which {$1500.00}. Along with a signature.. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have submitted several disputes to all 3 major credit reporting bureaus ( XXXX ) in regards to this MIDLAND CREDIT collection account and the numerous discrepancies and inconsistencies reported on this account by all 3 bureaus. I have requested verification and validity of this alleged debt from the XXXX bureaus and the collection agency directly. I keep getting notifications from all three bureaus stating that the information on this collection has been " verified '' and is " accurate '' when you blatantly see the inconsistent and inaccurate items being reported on this account that I will detail. First and foremost, XXXX is currently reporting this account as OPEN! and 120 days PAST DUE, on a collection account! XXXX is also reporting a date of last payment! I have NEVER made any payment on this account as I deny it is mine. a collection is by DEFAULT late and past due. The sole fact that this collection is reporting 120 days late and open is a complete error and FCRA violation. Furthermore, XXXX is also reporting this collection as an OPEN account. Lastly, XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. XXXX is reporting date of last activity as XX/XX/XXXX. Pursuant to the FCRA I am entitled to fair and 100 % accurate reporting. These egregious errors are ruining my life and the fact that the bureaus failed to acknowledge or rectify these reporting errors and verified them as accurate is astonishing to me and I demand relief.
Company Response:
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On the XXXX XXXX XXXX, I received two invidious letters from the law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; on behalf of two debt collection agencies : XXXX XXXX XXXX and Midland Funding LLC. The letters purport that I owe some unspecified and unsubstantiated debts, and that a wage garnishment order has been exigently executed and sent to my current employer. Let me unequivocally state that I do not recognize these fictitious and mendacious accounts, neither do I intend to make any payments therein. Succinctly, I will pay XXXX dollars! I refuse to be inveigled, inculpated or browbeaten into accepting any pecuniary responsibility or obligation, concerning the debts. Furthermore, the letters did not specify any dollar amounts owed, nor have any appurtenant evidence linking me to these debts. Be apprised that I am requesting a debt validation notice on these accounts, and will also be contacting the office of the NJ Attorney General.
Company Response:
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management recently responded to my complaint. However didnt provide all the information Im looking for which waive their right to collect a debt. You didnt not provide me purchase of agreement which I asked for. You did not provide me with a signature on a contract which would prove if this debt is mine.Nor is there any signature that states a person agreed for the debt to purchase. Therefore I have no contract with you. You did not prove me bond information nor license. You disturb my peace by collecting a debt you claimed I owe its your job to provide me with the information Im seeking. I did not find you bond in Texas. I demand that you remove your collection from my credit report until youre able to show proof of all the information Im seeking. I will also be taking legal action. You claimed you responded to my letter which you did not. I have no proof of knowledge that you did but you have proof that I sent a letter. Once again if the original letter I mailed on XXXX the XXXX I sent a letter to midland credit ceritfied mail with tracking number XXXX, ON XX/XX/2023. I was not contacted with any valid information. My original letter to them Dear Sir/Madam, I am writing to request verification of a debt you claim I owe. Your records show that I owe {$640.00} to your agency on behalf of XXXX XXXX However, I am not able to validate or confirm the details of this debt as I have not received any information or notifications from the creditor regarding any outstanding balances. Under the Fair Debt Collection Practices Act 15 USC 1692g, I have the right to request validation of a debt to be sure of the accuracy of the information being reported. It would be most appreciated if you could provide me with the following documentation as proof of the debt : - A copy of the original creditor 's agreement or contract that I signed- The accounts receivable ledger and payment history for this account - The details of the principal balance, interest, and any other applicable fees and charges applied to this account -Proof that the Statute of Limitations has not expired -Complete payment history on this account along with an accounting of all additional charges being assessed ; -Proof that you are licensed to collect in my state -Your license numbers and Registered Agent. -Purchase agreement. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I look forward to your response. Sincerely, XXXX XXXX
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My credit report contains multiple accounts that are both inaccurate and fraudulent, as per 15 U.S CODE 1681b. No valid reason existed for anyone to access my credit report, and I never authorized the sharing of my personal information or consumer report with any party. These items are undoubtedly fraudulent. My personal information and consumer report were acquired without my consent and have been utilized to harm my credit report by introducing inaccuracies. These inaccuracies have severely damaged my credit, making it impossible for me to obtain favorable credit terms. I kindly request the removal of incorrect addresses, accounts, and hard inquiries. Your assistance in this matter is greatly appreciated.
Company Response:
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Several of my debt accounts were settled through judicial settlement and they still are reflected on my credit report with inaccurate amounts being owed. XX/XX/2023 Several Inquires were made on my credit reports as well and were not removed by bureaus. Despite flagging the information., they have not removed the items from my file. XX/XX/2023 Also, there are XXXX social security numbers attached to credit files.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management is tring to collect a debt all ready XXXX and paid in full to the bearer under XXXX XXXX XXXX UCC XXXX XXXX XXXX, and are XXXX XXXX XXXX XXXX ( XXXX ) - 15 USC 1692g ( a ) - 15 USC 1692c ( C ) - 15 USC 1692b ( 2 ) . violation of 15 USC 1692f ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( 6 ) - ( a ) ( B ) ( C ) - ( 7 ) ( 8 ). 15 USC cease communication. FDCPA 1692f ( 6 ). 15 USC 1681I ( s ) Violation of Title 31 section 3123, Title 31 section 3130, Title 31 section 3124 Exemption from Taxation. where for all accounts are prepaid under Title 18 section 8. midland Credit Management is trying to extort me of a debt that was paid with cash and XXXX and is paid in full. This is a XXXX, CFPB, FRCA, and FDCPA violations and many not mention.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Walmart collection agency advise the balance over XXXX trying to make me pay with auto pay and threaten with court and being sued and not taking another method of payment or excepting my pay
Company Response:
State: TN
Zip: 37918
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Sent multiple debt validation letters midland credit is called from spam numbers all day they also using artificial intelligence Technology is Company is currently being sued by me I have obtained a lawyer for this matter I never did any business with this company or know where this debt came from I would like this debt removed and phone calls to stop they are doing illegal practices
Company Response:
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A