Date Received: 2021-02-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Midland credit for the whole month of XXXX every week have been increasing my debt by {$1.00} then next week decrease it by $ {$1.00}. This is absolutely ridiculous and illegal. My score I has just decrease 39 points because of this tatic they are doing. I dont own that account and they has no right accessing my ctedit file to do this tactic. I will include proof of whats happening and I want them held accountable for this
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX , XXXX , and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. MIDLAND CREDIT MANAGEM bal. {$7300.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
Company Response:
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To whom it may concern! Hi my name is XXXX XXXX, and the reason I am writing this complaint is because I really need this government agency to help me figure out what is going on with my credit score. I have been paying my all my debts for more than a year now. But each time I check the three credit bureaus I notice that for some unknown reason " XXXX '' is the only one with inaccurate information. I recently filed a dispute online on the XXXX website. When I check the results of the dispute today I found out that the dispute results were done since XX/XX/2021 today is XX/XX/2021 and my credit score has not been updated. One of the dispute seems that they did not investigate correctly. The amount from the listed in one of the account is not accurate. Even before I file the dispute with XXXX the amount was down to XXXX dollars. This is an account from Midland Funding I just paid the last balance of {$30.00} dollars ( the account has been paid in full, Conf # XXXX ) but XXXX and XXXX are still showing the wrong amount on their website. This mistake is really hurting my credit score, specially now that I am making plan to buy my first home. There is another account with the amount of XXXX dollars from XXXX XXXXXXXX XXXX, that I made a dispute to remove the account from my credit report because the creditor never advised me of such account before taking me to collection. XXXX has already removed the account from my credit report but as always XXXX still have the account listed on my credit report. Another account I need to complaint about is about a car loan that I had through XXXX XXXX, that account has been satisfied I was able to see it on the dispute results from XXXX but the agency has not made any update on my credit score yet when they finished the dispute on XX/XX/2021. XXXX has already update the information about the XXXX account like more than a week ago. Even though XXXX makes some mistake sometimes I can say that the agency works better than XXXX No wonder my credit score in XXXX is XXXX but in XXXX is XXXX forever. I am begging this Goverment agency to investigate XXXX I believe that they are not doing their job and the investigation they perform is a fake. Specially now that they are working from their home, they are not doing what they suppose to be doing. It is not onl me who are suffering the consequences of the misinformation, I have been talking to a lot of people that are experiencing the same issue. It is not fair when someone like me works so hard and because some people decide not to do their job well I have to go through all this madness just to get my information corrected. This is causing me a lot of stress, mentally and emotional. I remember before that only by calling XXXX and asking the representative to update the records was sufficient as long as the customer had a confirmation number or a payment receipt that would be sufficient but Saturday when I called XXXX the second representative I spoke to, I asked him if he could please update the record with the confirmation number I had and he in a very mean way told me that he could not do that. That I would have to file another dispute or wait for the creditor to send the information to XXXX within 30 days.
Company Response:
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A letter was received from Midland Credit Management, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX which stated that XXXX XXXX owed {$280.00}. It states the debt was from XXXXXXXX XXXX XXXXXXXX XXXX When called ( XX/XX/XXXX ), MCM asked for personal information from XXXX XXXX ( I have been XXXX XXXX since XX/XX/XXXX ). I declined to give it. However, they appeared to actually have my SSN. Perhaps it's from a hacked account of some kind. Their phone number is XXXX. I have never had an account with XXXX XXXX or XXXX. The person taking the call at MCM identified himself as XXXX XXXX. His accent sounded possibly as being from XXXX.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is in regards to a debt with Midland Credit Management. It stated XXXX XXXX was the original creditor. I sent Midland Credit Management a request for validation of the debt sometime last year via Usps regular mail. I havent received anything. I understand the pandemic has made processing of things a little slow, but its been almost a year. Im disputing this collection item. I have business with XXXX XXXX but not XXXX XXXX. Im requesting validation of this debt asap. Such as a credit agreement signed by me and documentation of the chain of custody of all paperwork.
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Collector refused to provide info on debt or breakdown of debt. They did not tell me the amount owed, they did not tell me I could dispute the debt. No written information with name / address of company provided.
Company Response:
State: OH
Zip: 44129
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is regarding a debt with Midland Credit Management. It stated in a letter the original creditor was XXXX XXXX. I sent a letter to Midland Credit Management last year via USPS mail asking for validation of the debt. As of today, I have not received any legitimate validation. I have know knowledge of this debt and disputing this debt. I understand its a pandemic, and things are a little slower, but its been almost a year since I asked for this information.
Company Response:
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
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: 02151
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Somebody has opened a credit card from ( XXXX XXXX XXXX ) using my personal information with the amount of {$850.00}, for which I have received a court letter on XXXX XX/XX/XXXX, filed by MIDLAND CREDIT MANAGEMENT , INC. After going through the court letter file papers I was shocked to know that first of all I have never heard about that bank before and have never ever applied for a credit card from that bank. I haven't received any statement from the bank either. As per their records, the card was opened on XX/XX/XXXX using my previous address details i.e. XXXX XXXX XXXX, XXXX, VA XXXX. But I moved from that place on XXXX XXXX to the current address i.e. XXXX XXXX PL, XXXX, VA XXXX. It also shows in the statement that somebody has made a payment of {$100.00} to that credit card account on XX/XX/XXXX and that wasn't paid by me. As per my knowledge, I haven't shared my personal information and my social security with any other people except my wife which we are now separated since the end of XX/XX/XXXX. I am completely unaware of this issue and If I have received such statements from the bank then I would have immediately called them to talk about it.
Company Response:
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A