Date Received: 2021-01-24
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: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The problem I'm having is this keeps showing up on my report. I don't remember the agency I payed off, it's been a long time. This contract seems to have been passed around like a football and I'm being harassed behind it. Midland credit management has put 3 negative remarks on my credit report 3 times last year that I know of right now. If I go back to earlier this year I'm sure I can pull some more remarks. These remarks are all in the same amounts of monies due. From what I under, a company can only do this once.why are they doing this. It's almost like their desperately looking to sabotage my credit by putting multiple negative reports on my credit report, for the one contract they claim to legitimately have.
Company Response:
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2021-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX herein known as " Consumer '' MIDLAND CREDIT MANAGEMENT herein known as " third party junk debt buyer '' On or around XX/XX/XXXX, a Notice was sent to this third party junk debt buyer by way of official first class mail with Notary Certificate of Mailing to show and validate a superior claim that should be rightfully provided to show that they are the true subject creditor pursuant to 28 U.S.C. 2072, 24 OK Stat 24-2, 24OK Stat 24-35, and 24 OK Stat 60-178-10. The third party junk debt buyer were demanded to provide me with documentation with respects to either an application for credit, services or employment executed with your entity. The documentation requested should support their ability to obtain my consumer credit report ( 15 USC1681 ( b ) ). There has been no response/performance from the third party junk debt buyer. Silence is acquiescence ; acquiescence is estoppels. STATEMENT OF FACT : I do NOT have an application or contract with the third party junk debt buyer nor can one be produced with a wet ink signature as requested. That fraudulent and false claim of debt is hereby Adjourned. A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. '' Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. XXXX v. United States XXXX XXXX. XXXX, 208 U.S. 404, 411 ( 1908 ) ; XXXX v. XXXX XXXX. & XXXX XXXX, XXXX Cal . App. 3d 1092, 1098, 223 Cal. XXXX. 298, 301 XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX. XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX41, 344, 318 A.2d 659, XXXX XXXX XXXX ).
Company Response:
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Approximately 2 years ago, around XXXX or XX/XX/XXXX I began receiving phone calls asking me if I had opened a credit card with this company or the other. I repeatedly said no, I hadnt. I became weary of people calling who asked me for personal information. At some point I spoke to someone on the phone who stated she was from some credit approval department or other and asked if I had applied for a credit card with their company, I said no. She said someone had tried to open a line of credit in my name and social security number and recommended I put a fraud alert. Following that conversation I put a fraud alert. Sometime after that I was contacted by a secret service agent who informed me I was the victim of identity theft along and she had an ongoing investigation as I was one among many people who had their identity stolen. I was informed I was the victim of identity theft by Secret Service Special agent XXXX XXXX. The contact number I have for her is Cell : XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX or email XXXX. I put a freeze on my credit and renewed the credit freeze since. More recently, with in the last 6 months, I started receiving mail from XXXX XXXX at Midland Credit Management, that stated I have a XXXX XXXX XXXX XXXX CREDIT CARD notice that I have a current balance I responded to their mail notifying them I am a victim of identity theft and provided further details. I requested they stop attempting to collect the amount since I did not open a credit card with XXXX XXXX and do not owe them money. They continue to send mail and I responded again within the last month or two, again stringing that I am a victim of identity theft. I have notified them again on XX/XX/XXXX that I am a victim of identity theft, did not open a credit card with XXXX XXXX and and do not owe them money. I also requested that they send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I dont owe anything else and attached a document as proof. I am kindly requesting MIDLAND FUNDING XXXX Opened XX/XX/2018 agency to remove this collection from my credit reports.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am requesting for Midland Credit Management to remove and delete this fraudulent account from all three major credit reporting agencies immediately or legal actions will be taken against your company. I have never had any type credit cards with XXXX XXXX XXXX. 1. Midland Credit Management Account # XXXX I have attached a copy of my police report as well as FTC report stating for this fraudulent account to be removed immediately from XXXX XXXX and XXXX.
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I was experiencing financial hardship and called XXXX XXXX to setup an arrangement. In the process I asked for exact dates for when both cards ending in XXXX and XXXX would go into collections and was told that for XXXX XX/XX/XXXX and XX/XX/XXXX for card XXXX. When I called in to make the payment on card ending in XXXX before the said date, I was told that the card had been charged off and that it was nothing that could be done. This is unacceptable as it is clear that I was miss-advised. Not to mention, XXXX XXXX and the collection agency Midland Credit Management are both denying me my right to the recording of the call. This is pure negligence that I insist on fighting to the end.
Company Response:
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2021-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Today i received court documents with a court date for midland credit management, inc ... i was never notified that they were even filing a lawsuit ... i was never even offered the option to set up a payment plan to resolve the issue
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Midland Credit Management reported a " late payment, collection account '' when in fact this account was acknowledged via CFPB last year and cleared by collection company at the time. This account was discharged via my husband 's bankruptcy on XX/XX/18. No new information or collection should be added to my credit report at this time causing a decrease in credit score. XXXX XXXX is attached. In the state of Arizona, spouse debts when included in the BK are discharged as part of " marital property ''.
Company Response:
State: AZ
Zip: 85140
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A