Date Received: 2023-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/23, I reached out to Midland Credit Manangement, LLC spoke with XXXX XXXX, in the Concern dept @ XXXX asking for an update on my Identity theft account. Midland Credit Manangement had an attorney office XXXX XXXX @ XXXX, filed for wage Garnishments without my knowledge. I was notified through my Employer. I immediately went to work with all three Credit Bureaus disputing each account. Midland Credit Manangement had XXXX accounts under my name however only XXXX of these fraud accounts were closed. The third account that went to XXXX XXXX a Identity Fraud packet was not applied & caused the Garnishments. After several attempts contacting Midland Credit Manangement, LLC they have told me back on XX/XX/23, that they needed to recall the account from the law firm. I received a paid in full letter from the law firm & now awaiting a refund since XXXX XXXX confirmed receiving my fraud packet for the third time. Currently XXXX awaiting a refund however Midland Credit Manangement said the law firm owes me & XXXX XXXX stated Midland Credit Manangement owns the account. Please help me get a refund asap of all monies paid out.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: They keep threatening me to sue and called me off XXXX different numbers harrssing me
Company Response:
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: First and foremost Ive sent them an affidavit of truth and they never respond all they did was send me copies again off some bill they said they would stop but they didnt anyone can send copys of bills. The have repeatedly violated my right under usc 15 usc 1692 .Show me the contract I have with you cant I dont have one with you or the other company you claim I owe money to. Pursuant to 15 U.S. Code 1681 ( b ) consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce. Accuracy is about equity and must be equitable to the consumer. Must be fair on both sides, but you werent acting fair when in your initial investigation, you failed to contact me to ask about the alleged transactions, when I am the only individual with actual first-hand knowledge, but only decided to take one side of the story. Pursuant to The Fair Debt Collections Practices Act, the following proofs of claim are requested Proof of claim : The Alleged Lenders involved in the alleged loans, did not purchase the promissory note from the consumer, hereinafter the Alleged Borrower. If not rebutted, this statement stands as truth .Proof of claim The Alleged Borrowers may repay the alleged loan with the same species of money as may be on the loan per GAAP , ending all interest and liens. If not rebutted, this statement stands as truth. A. Proof of claim : The Alleged Lender converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower ( which has an economic effect similar to stealing, counterfeiting, and swindling. ) If not rebutted, this statement stands as truth. Proof of claim The Alleged Lender has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. If not rebutted, this statement stands as truth. Proof of claim : The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value, and they pursued to securitize it! If not rebutted, this statement stands as truth. Please provide me with the below mentioned items : The amount you claim the Principal owes you. IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. Full accounting ledger. *All legal documents. An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount. The identity of the original creditor. Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. Evidence that you are a licensed debt collector. Evidence of your license numbers and your registered agent. FACTS ON THE MATTER Fact, I so invoke XXXX XXXX XXXX, Pursuant to 15 U.S.C. 1681a ( c ) declare that I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in Due course of any and all derivatives thereof for the surname/given name and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will autograph as the agent, attorney in fact, and I furthermore Demand that you correct your reporting.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: MIDLAND CREDIT MANAGEMENT has committed Securities FRAUD against XXXX XXXX. I have never invested in MIDLAND CREDIT MANAGEMENT or consent to pay this company. MIDLAND CREDIT MANAGEMENT has take out securities out in my name with out my knowledge or consent. MIDLAND CREDIT MANAGEMENT has committed 18 U.S.C. 1348 securities fraud is the unlawful practice of using manipulative or deceptive tactics to purchase or sell a security. Fraud is a commonly prosecuted federal crime in the United States and securities fraud charges. ALL ACCOUNTS ARE PREPAID Senate document NO.43, 73rd Congress The ownership of all property is in the State, Individuals, so-called ownership is only by virtue of the government, i.e., law, announcing to mere user and use must be in accordance with the law, and sub-ordinate to the necessities of the state. Congressional Record, XX/XX/, on HR1491, pg. 83 Under the new law, the money is issued to the banks in return for government obligations, bill-of exchange, drafts, notes trade acceptance, and bankers acceptance. The money will be worth XXXX cents on the dollar because it is backed by the credit of the nation. It will represent a mortgage on all the homes and other property of the people of the nation. Title 18 8 Obligation or other securities of the United States defined : The term Obligations or other security of the United States includes all bonds, certificate of indebtedness, national bank currency , Federal Reserve notes, coupons United State notes, Treasury notes, gold certificate, silver certificate, fractional notes, certificate of deposit, bills, checks, or draft for money drawn by or upon authorized officers of the United States, stamps and other representatives of value of whatever deamination, issued under any Act of Congress, and canceled United States stamps. FRNs are obligations of United States HJR 192 : The term obligation means Federal Reserve notes and circulating notes of the Federal Reserve banks and national banking associations. Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt. Title 31 3123 Payment of obligation and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principles and interest on the obligation of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt, As the Secretary considers expedient, the Secretary may Pay in advance interest of the public debt by a period of not more the one year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve notes are and pay them in FRNs which is legal tender. Taxes and all bills associate with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt dollar for dollar. It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the Net public debt, 3130. Annual Public Debt Report. SEE : FTC Report Number XXXX
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They have a debt on my account for XXXX $ for a credit card for XXXX XXXX. they said i was authorized as a user but I NEVER DID THAT OR APPROVED THAT. please remove this from my account.
Company Response:
State: IN
Zip: 474XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. This organization has failed to provide a validation letter with a signed contract. A contract must be presented not an itemized bill. The company is not compliance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Many items on my credit report are listed inaccurate among the three credit bureau agencies. As a victim of identity theft I have reported several alerts to my credit bureau accounts.
Company Response:
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I did not consent nor benefit authoired any of the following accounts or accounts : MIDLAND CREDIT MANAGEMENT- {$1100.00}
Company Response:
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent the company a certified letter requesting them to validate the debt they are reporting to the credit agencies. I asked them to respond within 30 days and they sent a response, but they did not officially validate the debt by providing all of the requested items in the validation letter sent. After the 30 days, I sent another letter via certified mail asking for the company to delete all references to the account from my profile within 15 days. I also sent them their violations of the Fair Debt Collection Practices Act listed in their response items. Both letters were delivered to the company, and I have a copy of the return receipts and tracking numbers. I also included a notarized affidavit of the violations as well as an invoice for the cost of the harm caused by their violations. Tracking number for 1st letter : USPS XXXX Tracking number for 2nd letter : USPS XXXX
Company Response:
State: MI
Zip: 48092
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am formally complaining against MIDLAND CREDIT MANAGEMENT INC I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any XXXX party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). I have never done any business with MIDLAND CREDIT MANAGEMENT INC nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. I have contacted MIDLAND CREDIT MANAGEMENT INC who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that MIDLAND CREDIT MANAGEMENT INC stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A