Date Received: 2021-03-04
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 and its been well over 30 days and I havent received any investigation results.
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Credit Management at XXXX XXXXXXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX, CA XXXX has been sending me collection notices in the amount of {$610.00}. The collections has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This current debt that is trying to be collected by midland credit is the result of A fraudulent charge that I reported to XXXX XXXX XXXX on XX/XX/2018. My credit card was stolen and used. I called into XXXX XXXX XXXX and for some reason there wasn't a fraud department to dispute charges. They instructed me to write in to a specific address to dispute the charges in writing. I did so the next day. NO investigation was completed after that. In fact they continued to call me and threaten me to pay my balance that I did not charge to my card. Even one person had the audacity to call me cheap if I couldn't pay for the small XXXX XXXX XXXX wanted me to pay the balance that I didn't charge to my card. Attached is the letter I sent with no response from XXXX XXXX XXXX. I have now have a negative charge on my credit report for these charges that I did not complete. These negative charges are keeping me form getting the current job that I am eligible for. This is a formal complaint to MIDLAND CREDIT and XXXX XXXX XXXX that I will take legal actions based on the XXXX law prohibiting me to accept a job based on a negative credit remark. Legal actions of incorrect reporting to all credit agencies that are simply false and for putative damages up to {$500000.00}.
Company Response:
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Company Response:
State: RI
Zip: 02919
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Could not let me speak, asked several times for the amount and told I need to pay right away if not XXXX be sued
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Pulled my credit report on XX/XX/XXXX, and saw that Midland Credit Management placed a collection account on my credit report. I have not received any communication from this company regarding this debt or any opportunities to dispute it. I do believe that the law states that I have the right to be notified of a debt prior to it being placed on my report and given the option to dispute within 30 days of receiving that communication. Midland Credit Management has not attempted to provide me any written communication regarding this debt. The practice of placing collections on accounts without any notice is illegal and this company should be held responsible for its actions. This collection claims to have been opened in XX/XX/XXXX, yet, this is the only time I have been made aware of this. I also placed a call to XXXX XXXX, the so-called original creditor, to see what this debt is and they were unable to find any account of mine that has not been paid off already.
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: There is a company by the name of Midland Credit Management that is being reported on my credit report. I have signed no contractual anything with them and have no clue of who they are. XXXX XXXX XXXX, they claimed to have verified the account, but attached no evidence XXXX documentation ) of such to support this claim and I believe they may be the people calling me and harassing me throughout all times of the time even when I am attending my appointments for my XXXX, actually especially during those times. I have saved a long list of numbers and the time stamps, that I am ready to proceed legally on to end the harassments from a company or creditor or whatever they claim themselves to be. PLEASE SEND DOCUMENTATION THAT WAS USED TO VERIFY how this account is linked me and the documentation showing that I legally owe Midland Credit Management anything. I disputed via XXXX XXXX, but being this is my first time disputing anything as my credit history previous to COVID was pretty good. I am also undergoing extreme hardship due to COVID. I am struggling to keep my house. I am struggling to find a job due to my XXXX and all of this is overwhelming and makes it harder for me as a XXXX XXXX.
Company Response:
State: CA
Zip: 95204
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I have received notices from a Dept collector company in attempt to collect a debt. The company placed a debt on my credit report I have never received a notice from them, not one. I called the agency to inquire about a negative activity report by them on my credit report the original date XX/XX/2014. I was told by the agency they placed a lien and a judgement on me for a debt. I asked her if there was a charge off she stated no. I explained to her the card had been stolen and there were unauthorized charges made to the account she preceded to tell me that she knew that and sent me another collection notice a week later. I did ask them not to contact me again cease all communications and the still contacted me via mail.
Company Response:
State: VA
Zip: 23508
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is not my debt. Initially, I received notification pertaining to five separate accounts from Midland Collection agency/Midland Credit Management. For each of these, I sent letters to MCM requesting GAAP debt validation. I never received any documentation in response to any of my five separate debt validation requests requesting GAAP, which in researching this company further with the XXXX XXXX XXXX, seems to be a common practice for this company to not respond to debt validation requests. Despite not following FCRA laws, they have continued to make collection efforts, including reporting this to the credit bureaus, which they are not legally allowed to do without proper validation/GAAP.. I recently disputed this with XXXX. In response, Midland MCM responded to them and said this debt is valid and sent me paperwork which is just their own claims that I owe this debt, no paperwork showing they have any authority to collect this debt or that I ever owed this debt to the original creditor in the first place, there is no documentation from the original creditor at all to support that this debt is mine or that this debt ever truly existed or that this amount is accurate and the letter I received indicated I do not have any of these original credit accounts on my credit report. It is my further understanding that a California agency XXXX has filed a lawsuit against this company for illegal collection practices such as collecting on invalid debts, never providing proof of debts, never having adequate proof of debts. To be clear, this is not my debt, I am not acknowledging this debt, Im asking for assistance in getting these five collection items removed from my credit reports.
Company Response:
State: CA
Zip: 93010
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A