Date Received: 2021-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a XXXX XXXX account that I have never owned or received a credit card in my hand that was made in XXXX of 2019 I mistook XXXX XXXX for XXXX XXXX which I did own and am making payments on. I never owned a XXXX XXXX account but the company said I did but around that time I did not have my social security and had to get a new card so this may have been a form of theft I need this account shut down because I am a XXXX XXXX I am still paying on school.
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2021-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a death validation letter on XX/XX/XXXX requesting copies of agreements with the client the grants them to collect a debt signed agreement with the debtor yeah that I have a contract all obligation to pay the debt collector any agreement the bear signature of myself to pay the creditor all statements why the account was open. I also requested the name and address of the ledge predator the name on fall of the ledge debtor alleged account number address on file for the lodge debtor amount of the alleged at the date to do that became payable the date of the original delinquency, And stating they had 30 days to return the information to me.All I received back from them was a letter stating that their information was correct, they did not send any proof of the debt, I also did not get that letter till today which is the XXXX XXXX XXXX
Company Response:
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Debt have been settled on XX/XX/2021 and I still see it in my credit report. I called them and they kept on giving me ( same ) numbers from one office to the next cause no one seem to know how to help me yet the acct as per the operator was paid in full.
Company Response:
State: CA
Zip: 90066
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland credit agreed to delete the account from all three credit bureaus if the account was resolved. The account was paid as agreed by their attorneys within the specified time frame. Midland credit has failed to remove the account and shows a past due balance although the account has been resolved in full.
Company Response:
State: LA
Zip: 70737
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XX/XX/2021 I sent a verification letter to the collection agency Mindland Credit Management ( please see document attached ) regarding an account that I did not recognize on my credit report. The collection agency sent me a letter in XX/XX/2021 but they did not responded to my request. I specified on my letter that under XXXX XXXX XXXX regulations ( section 2-190 of the Rules of the XXXX XXXX XXXX XXXX ), verification requires all of the following : A copy of an original document confirming the debt ; A copy of the final account statement ; A document itemizing the total amount due and additional charges ; and Any other documentation verifying the balance and all other charges alleged due. But they only document sent by the collector was a letter from the original creditor informing that the account was sold to collector ( See response by collector attached ). I do not have aby recollection about this. I have had only one account with XXXX XXXX and it was more than 8 years ago and I think this account was charged off at that moment.
Company Response:
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2021-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: on date XXXX i received a validation responce letter from company midland credit management. further due in letter they have not shown actual proof of me owing this debt. i requested proof of contract of my own signature and it was not provided. also this company has violated multiple of my consumer rights! they have violated 15 usc 1692 ( c ) ( d ). which as you should already know ... communication with the consumer generally without the prior consent of the consumer given directly to the debt collection or the express permission of a court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of ANY DEBT. Also harrassment and abuse to keep reporting to the credit reporting agencies. Which they are in violation once again ( 15 usc 1692d )
Company Response:
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX is reporting an alleged account. I have disputed this account on numerous occasions. XXXX keep saying that this alleged account has been verified but equifax will not send me documentation of the alleged account. A bill is NOT Documentation. XXXX is breaking the law by telling me this account is verified with out sending me the necessary documents the FCRA requires them to send the consumer. I have express all XXXX different laws the equifax of nunneries of 609 letters and they are continuing to do the same thing. Equifax knows this is against the law. Also the debt collector is in violation of ( 15.u.s.c 1692g ) and 15 u.s.c 1692e. Please be advised that a debt collector who fails to comply with any provision of the FDCPA is liable for any actual damages sustained as a result of that failure, and punitive damages as followed by the court in an individual action up to {$1000.00}. ( FCRA ) ( 15 u.s.c 1681 and following ) requires credit reporting agencies to adopt reasonable procedures for gathering, maintaining, and distributing information. It also sets accuracy standards for creditors that provide data to agencies. Please not that I am aware that credit is a privilege and a consumer have the right to extend 15 u.s.c 1602 ( g ) and rescind 15 u.s.c 1635 credit
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Iv been trying to fix my credit. Iv never had a credit card before ever in my whole entire life I was born XX/XX/XXXX. This past year of XXXX I tried getting one on a I believe a XXXX card and I couldnt due to, to many accounts open. IV NEVER HAD A CREDIT CARD XXXX! Everything on my credit report is identity theft hello! Help me out here. My phone number my location says all. Iv never lived in Oregon. Iv lived in XXXX XXXX ca. Let me say this again Iv never lived in XXXX Oregon. I live in XXXX XXXX ca. So can you please help me out!
Company Response:
State: CA
Zip: 954XX
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2021 at XXXXXXXX XXXX MIDLAND CREDIT MANAGEMENT was in receipt of my written notice to cease and desist. Pursuant to 15 USC 1692c ( c ) If such notice from the consumer is made by mail, notification shall be complete upon receipt. On XX/XX/2021 the company responded to my CFPB complaint regarding the matter and stated, Per your request, the above-referenced account has been marked Cease and Desist.. IT IS A VIOLATION OF FEDERAL LAW TO NOT HONOR MY CEASE AND DESIST. MIDLAND CREDIT MANAGEMENT continues to report this account to my consumer report unlawfully. Pursuant to 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. To make this law clearer, I will re-state what was written in my initial feedback to the companys response that the above-referenced account has been marked Cease and Desist.. Pursuant to the FDCPA, Title 15 USC 1692a ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Pursuant to Title 15 USC 1602 ( e ) The term person means a natural person or an organization. Pursuant to Title 15 USC 1602 ( d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. XXXX dictionary defines the word any as unmeasured or unlimited in amount, number, or extent. In summation, the reporting ( conveying of information of information regarding a debt ) of this alleged debt to the consumer reporting agencies ( a corporation ; organization ; person ) and my consumer report ( a medium ) is a violation of the Cease and Desist and a violation of federal law. I will attach a copy of the original Cease and Desist along with the USPS return receipt confirming the receipt of the Cease and Desist.
Company Response:
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was notified that I had an account from XXXX on my credit report in XXXX. I had no idea that this account was opened in my name. Not only was is in my name but it was also in collections due to lack of payment. The last payment that was made on this account was in XXXX. I contacted the credit card company who's name is XXXX XXXX and they had no information in their system on me. They said the account was sold XXXX times and the final holder is Midland funding llc. I contacted Midland Funding and asked them for more information on this account and to please verify it by sending me a copy of the contract that I signed. The only thing that they sent was a copy of a bill coming from their company. The fee has now dropped by XXXX dollar. The amount they say I owe was {$810.00} which is now {$810.00}. I have attempted on numerous occasions to get a copy of the contract with my Identification in the form of a License and or identification card to validate their claim, they have not been willing to do so. Its been more than two months since my last correspondence with them. The young lady who's number I was told to contact is from an lawyers office XXXX XXXX XXXXXXXX is very rude and unprofessional. The only thing I kept telling her is that the bill is not mine and I need proof, she could'nt supply it. I am not willing to pay this bill or late charges due to me not be the one who opened this account. Please help
Company Response:
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A