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 3rd 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: 2023-10-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Judgement filed against my home dated XX/XX/ in XXXX, ohio municipal court. XXXX XXXX XXXX, XXXX, Oh XXXX. Judgement was placed on XXXX XXXX XXXX, XXXX, Oh XXXX ( a property I own ) Case # XXXX {$780.00} -Debt $ XXXXClerks Costs No verification of debt was ever attempted and the address on the judgement is incorrect as I have never lived at that address or has it ever been associated to my personal credit profile. I am known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX to all my creditors.
Company Response:
State: OH
Zip: 45429
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Midlandcre is reporting false information. Accounts that do not belong to me and they're reporting two separate accounts with two balances under 1 account number
Company Response:
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I appreciate your response via the CFPB XXXX, but you continue to disregard my request. I have identified four violations in your response. I am not disputing the ownership of the account ; rather, I am challenging the unfair charges from the original creditor. I also require additional clarity regarding the contract agreement and the Chain of Title associated with this account, as well as access to all related documents and financial records. I seek a precise understanding of the owed amount based on journal and ledger entries since the account 's inception. I believe I have been subjected to retaliation, as evidenced by fluctuations in my credit score during my credit dispute with Midland Credit Management Inc.
Company Response:
State: MN
Zip: 55076
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: someone use my identification and open capital one credit card in XX/XX/XXXX with credit limit of {$3000.00}. In XX/XX/XXXX when i pulled my credit report than i found out i have credit card with capital one, I called them and disputed the account and told them i am not aware of that card and i never received this card or statement. they told me to do the police report and identification report and send them, I did do the police report and identification theft report and send it to them. Meanwhile i asked them to send the statement to me to give it to police but after my 3 requests they did send me the statement. I hand over those statements to the police officer. After a month investigation the police officer told me He couldn't find any evidence for that card using those hotels. All the hotels and places where that card was used, they don't have video recording saved for more than a month, since its more than 3 moths, there is no evidence i was able to collect. I told the the capital one all the police investigation but they are telling me that card was delivered at your home and when i asked them for proof, they never gave me second they telling me i used my phone to activate it but the cell phone number ( XXXX ) the giving me is not my number, but they keep insisting they have proof that number is mine but they never give me proof. I been using one cell phone ( XXXX ) since XXXX and i have been in business since XXXX and all my vendors, friend, customers relatives have that number, I been disputed this account since XX/XX/XXXX but never be able to convince them that is not my account. since their negative reporting affecting my credit score. i was planning to refinance my home and buy a new car but their negative reporting is not letting me to do anything. please take action against the capital one and remove my account permanently. its not my account, i never received this card and i never used this card
Company Response:
State: MI
Zip: 491XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am a victim of fraud. My ex-husband and his mistress used my name and social security number to open accounts in my name. I was separated from my husband since XXXX forced out my home. I had to get legal help to gain entry back in my home. A judge ordered my ex-husband to surrender my home on XX/XX/XXXX. As I returned back to my home, I noticed mail in my name regarding credit card accounts my ex-husband opened without my knowledge. The credit company who purchased my account never checked to see if the accounts were opened with my acknowledgement. Lawsuits were filed against me by Midland credit management, how I gained knowledge of accounts.
Company Response:
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently checked XXXX for my credit score and noticed I had an unknown debit collection from XXXX XXXX XXXX ( Original Creditor ) for {$640.00}. I never obtained a credit card or have done business with this company. I have looked them up and the closest one to me is in XXXX. I'm currently residing in California. I don't understand where this debit collection came from. I have been checking my credit score monthly and it wasn't there until now. I reached out to Midland Funding ( Credit buyer ) and disputed it letting them know that I'm unaware of this collection. I believe I was a victim of identity theft. This has never happened before, so I'm puzzled on how to solve this. Please help me!
Company Response:
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: My grandmother called me to tell me that Midland Credit called her home in another state to collect a debt and I never gave them her number. They have been calling Unknown and from odd numbers at all times of the day. The account was closed and then reopened without my knowledge or authorization so I would like for them to cease all communication with me and my family. XXXX XXXX has been paid and I will not pay the debt twice. Please forward my 1099-C.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This can't be happening!! This company must remove the as they need to validate this account!
Company Response:
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A