Date Received: 2021-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: in XX/XX/XXXX, I filed a garnishment compliant with cfpb. I.D . XXXX, against Midland Credit on behalf of Asset Acceptance. As a result, Asset Acceptance stated they would stop garnishing my wages temporarily until XX/XX/XXXX ; and as of this day, garnishment is still being deducted from my payroll. The hardship form that I received from Midland Credit was dated XX/XX/XXXX ; which they requested the form back within ten days ; which I received the form on XX/XX/XXXX. I filled out the form, mailed it back to Midland Credit on XX/XX/XXXX by first class mail so I could be able to track the delivery. I have called Midland Credit several times ; and each time, I receive different misleading information from their credit managers. Midland credit claims that they emailed the stop garnishment request to the XXXX circuit court, civil department, but when I contacted the circuit court ; it was stated that NO stop request information from Midland credit has been received on my behalf. XX/XX/XXXX is less thank thirty days away ; and garnishments are currently being processed from my payroll ; which leads me to believe that Midland has no intentions of standing by their answer to stop the deductions that should not have been allowed in the first place. I will take this matter of complaint as far as I have to. Please advise.
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: The person said they was from a law firm which I didn't know they had information about a civil case I have been waiting to go to court on since XX/XX/2020 they called me from a 1-855 number they ask me to confirm my last 4 numbers of my social security number which they gave to me. I asked where their law firm was located at they hung the phone up.
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As of XX/XX/XXXX I sent a certified letter to Midland Fund requesting validation of a debt {$500.00}, Requesting details 1-6 requesting validation. XX/XX/XXXX Midland Fund responding stating They were uncertain of what I was disputing, requesting a written explanation and documentation demonstrating any errors. XX/XX/XXXX I responded with another certified letter requesting a validation, requesting details. I have yet to received a response validating this account belongs to me. This account is still reporting on my credit report and showing negative impact.
Company Response:
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Almost every day, a collections agency keeps reporting the same wrong collections to XXXX and several other agencies they are allowing this company to report the same wrong issue and therefore my FICO credit score takes hits. I am trying to open disputes but theyre closed and they side with the aggressive power MIDLAND CREDIT collections which is known for their bad behavior ( your agency has sue them numerous times ) this company will not return my attorneys or my letters or calls to rectify and they are illegally violating my rights pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681. This company wont produce the documents to verify these collections.
Company Response:
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, 2020, MIDLAND CREDIT MANAG ( Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX ) add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAG has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Midland Credit Management sent me a letter stating that they have tried to contact me about an alleged debt owed and that I would be sued, this was on XX/XX/2020. I have never received any phone calls or letters from this company prior to this threat being sent to me threw the mail. Mail fraud is real, and this company has committed mail fraud. I sent them a letter asking for validation of alleged debt ( signed contract ) but they failed to do so. I am working with the credit bureaus to get this taken off my credit file as their tactics are hurting my reputation per 15 USC 1692d ( 1 ). I have not been able to obtain a job because of this company.
Company Response:
State: ID
Zip: 83607
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Midland credit has reported a XXXX bank account collection 4 times the month of XXXX and it has negatively affected my credit score and life. This account has not been confirmed as mine and they have failed to produce adequate documentation supporting the matter which I initially requested XX/XX/2020. Spoken to XXXX XXXX XXXX who is assisting midland credit in the dispute. Original account number with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I WAS REC REPEAT CALLS FROM MIDLAND I DISPUTE THE DEBT STILL REC CALLS I CALL XX/XX/XXXX XXXX XXXX HE DID AUTHENICATION OF MYSELF .... HE SAID I CANT HELP YOU WITH THIS ACCOUNT, HE PUT ME HOLD ... BUT DIFF USE THE BOTTON, HEARD HIM TYPING ... HE CAME BACK SAID, HE CANT HELP ME ... I NEED TO TALK TO XXXX XXXX I ASK, WHATS THE COMPANY ADDRESS OR PLACE HE REFUSED TO GIVE THE INFORMATION TO ME .... HE GAVE ME A NUMBER XXXX I ASK HIM IS HE A THIRD PARTIES COLLECTION .... HE REFUSED TO ANSWER .... VIOLATE -DID ASK ANY QUESTION? VIOLATE- REFUSED COMPANY ADDRESS VIOLATE-REFUSED SAY COLLECTION AGENCY
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no record of this account that ever belonged to me with this collectors/creditors. I've asked multiple times to send me proofs of ownership but they don't complied to my request.
Company Response:
State: TX
Zip: 75051
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A