Date Received: 2021-06-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Company can not verify its me and/or not my name. Reporting with XXXX etc.. flagged for Collection grid code XXXX XXXX collection ). There has been identity theft in my name and someone else have the same name that lives in XXXX XXXX, NV and other places.
Company Response:
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They bought the debt therefore I am no longer liable for it.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland credit has called me 5 times before XXXX XXXX today. Upon picking up she immediately threatened me by saying she was helping me avoid a lawsuit. I simply told them to stop calling and they deny calling as many times as they have. My phone records beg to differ. Each time they call, they call twice! The second part of threatening a lawsuit is a much bigger deal. That is not allowed and is highly unethical.
Company Response:
State: CO
Zip: 80123
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I called midland credit managment to see what amount I owed as they reported to my credit report on XX/XX/XXXX and the debt said it was 1 year and 6 months old. They stated that last time they spoke with me I said I was going to talk with an attorney and they marked on my account the name of a legal team I have never even heard of. They stated they can not speak to me or give me any information as I have an attorney. I told them that is false and I do not and they refused to help me or give me any info. The manager Got on the phone at my request and refused to help me and stated I had to send a letter to remove the lawyer info. I hung up. I called back and spoke with another representative that let me know the manager had marked my account to not receive any calls.I did NOT request that. He also stated there was a department that can remove the lawyer marking, as the management said that couldnt be done. I believe they have been harassing my account as an attempt to get back at me for who knows what. I would just like to know what debt I have so that I can dispute it and start payments. I have now spoken to 5 representatives and I still do not know my balance and still do not have an attorney as they stated
Company Response:
State: OR
Zip: 97305
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit, who informed me they were acting as agent for XXXX XXXX, settled an outstanding debt for less than the amount owed. The settlement was paid in two ACH installments, External Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 and External Withdrawal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 for XXXX each. They have not removed this information or adjusted to show it is settled although XXXX XXXX has updated their records. I received notification from XXXX XXXX, XXXX XXXX, that this collection account balance has increased, although how this can be eludes me. I have tried to file formal disputes on this company for erroneous reporting through the credit bureaus and was only told they met FCRA standards.
Company Response:
State: ME
Zip: 045XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am currently financially impacted by the covid19 disaster. Secondly, this is old debt and is no longer valid or collectible. Also, please note that the phone team was incredibly rude and unprofessional. To the point I deemed it tribalism and employees sabotaged the servicing of my account there after. Refusing to transfer to a supervisor in a timely fashion. Pure obstruction and internal employee sabotage. The amounts were wrong and this was prematurly thrown into collections. Very disrepectful and also illegal. This is not a valid debt and statues have long expired. The company was notified with many attorney general complaints and XXXX complaints but refused to remedy. Siding with the young intimidating phone representatives who are immune to oversight or accountability. At one point they asked if I voted for Donald Trump. This sort of behavior has since been termed " trump deraingement syndrome '' and this call center in Colorado must all suffer from it. Especially the XXXX who mis serviced us with this debt. Please remove this unlawful debt that is still showing on all my credit reports. XXXX XXXX XXXX XXXX should all be notified to remove this debt. We will sue civilly if this problem isnt immediately remedied. Thank you.
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Last year I discovered a false account with XXXX now owned by Midland Credit reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Company Response:
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This account has been paid in full, and per the creditor Midland Credit Management - this account was supposed to be deleted from my credit profile after it was paid.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ... MIDLAND FUND ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ... XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: i filed a dispute in regards to the incorrect items on my credit report.It has been well over 30 days and i have not received any investigation results
Company Response:
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A