Date Received: 2021-04-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have a collection account, and they keep taking it off and putting back on my credit affecting my score in the middle of a pandemic demanding payment and saying I didnt communicate with them and refuse to fix the issue.
Company Response:
State: NJ
Zip: 07306
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has been over a year since I've tried to reach out to these companies about validating the information reporting on my credit report. Can you please help me resolve this issue. It has been interrupting my life and holding me back. Thank you.
Company Response:
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: THIS IS XXXX XXXX!!!! I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY doing anything for me. I'm my own natural person so please don't play those stall tactic games. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT. As a consumer these accounts on this letter must be deleted immediately, and by that I mean ASAP or I will seek monetary damages in small claims court in my city and state. Also we have already involved and sent this letter to the Consumer Financial Protection bureau, attorney generals office, XXXX XXXX XXXX and federal trade commission. I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I want you to XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n .I did not consent to, authorize nor benefit from any of the following accounts. Block and remove them. FAST! 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Company Response:
State: IN
Zip: 46628
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Thank you for your help. Two year ago. I did a debt settlement wit Midland Management For my XXXX Credit card and my XXXX credit cards. All was good. Then. All of a sudden two yeas later I received all of theses alerts that Midland credit was reporting me past due and keeping all this money on past due money that I dont owe. I still get calls from XXXX XXXX XXXX telling met of pay and receive letters threatening legal actions for accounts that I did debt settlements on two years ago. This needs to stop please
Company Response:
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I contacted : MIDLAND CREDIT MANAGEM Original creditor : XXXX XXXX {$2200.00} Balance updated XXXX XXXX, 2021 Several times concerning this collection. They have no record of the amount of this debt or any other info on. I requested they stop report I got this collection credit or taking credit for this debt because they couldnt produce the minimum info on it. I contact the XXXX who said the debt was verified ... it was not since Midland Credit Management had no information on the debt when I called them. This is a scam. XXXX is enabling them to do it. Please take action. Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX My name. XXXX XXXX XXXX, XXXX, XXXX XXXX
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Since XXXX I have working diligently to save & build credit to purchase a first home with the XXXX program. Early XX/XX/XXXX I and the seller signed a contract for me to purchase a condo. The Title Co discovered a Judgement filed XX/XX/XXXX XXXX ( XXXX ) years prior. I was NEVER notified I lost my only opportunity to purchase my own home. Midland Funding XXXX XXXX ( XXXX, XXXX & XXXX ) did not respond to my " Settlement Offers '' mailed Certified and received XX/XX/XXXX & XX/XX/XXXX. At my advanced age, I may never have this opportunity again.
Company Response:
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They are trying to say I have two accounts that I owe on for XXXX and I don't. They hit my credit report twice with two different account numbers. I've wrote letters and nothing has been done.
Company Response:
State: IN
Zip: 46307
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I have a collection account appearing on my credit with Midland Credit. To my knowledge I am totally unaware of this debt and was not notified of such. I have been in contact with Midland, who is having a difficult time locating my information such as my name, address, dob & social. However, I am told to pay a debt that cant be validated.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Acct # XXXX Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. No accounts from XXXX are reported on any of my credit reports. Just listed by Midland Credit Management
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Acct # XXXX Midland Credit Management can not validate these debts, which I have requested three times. Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. No accounts from XXXX are reported on any of my credit reports. Just listed by Midland Credit Management.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A