Date Received: 2021-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. XXXX XXXX XXXX, Opened XXXX XXXX, 2018. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.
Company Response:
State: NY
Zip: 11235
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A credit card was opened in my name through XXXX XXXX XXXX on XX/XX/XXXX, but was not done by me. I had reported identity theft during that time. Purchases were made and not by me. The card was charged off on XXXX XXXX, XXXX. The company kept sending me bills and phones calls to pay the bill. Each time they would call I would inform them that I did not open the card and I had identity theft during that time frame. I even ask them for statements where I would see the purchases, the amount and the dates of the purchases. I never received anything. The amount owed up to the time of the charge off is {$980.00}. The total amount has over {$600.00} of late fees and interest accrued. XXXX XXXX XXXX sent my information to Midland Credit Mngt. when they charged off the account. The account showed up on my credit report when they charged it off and I disputed it then. They took it off the credit report, then just recently they put it back on. And now I also have a lawsuit for this account. Once I received the information about the lawsuit, I immediately contact Midland Credit Mngt and informed them this was fraud and I wanted to dispute it. I also was requesting statements with the purchases, dates and amounts so I could do my research and to prove this was fraud. They informed me they could not provide me with the information, but to contact XXXX XXXX XXXX. I contacted them again and requested the same information, they said they would try to send me the information. I never received it. A month later, Midland Credit Mngt. cancelled my dispute and are about to garnish my paycheck. I need to get this resolved before they do so.
Company Response:
State: KY
Zip: 403XX
Submitted Via: Web
Date Sent: 2021-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Also, requested " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay such account.
Company Response:
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/21 received letter about a balance of {$1600.00} - XX/XX/21 went on XXXX XXXX XXXX XXXX XXXX XXXX WEBSITE - made a payment plan to pay down debt - XX/XX/21 received a summons to appear for conference mediation regarding said debt. No notice, no nothing, some random guy showed up at my house - said you are being served, handed me papers and walked away. That was it
Company Response:
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On or about late XXXX or early XXXX I defaulted on a XXXX credit card. There are several aspects to my complaint. First off, this debt is about 4.5 years old and just now reporting to my credit file. When I first saw the item on my file I disputed the validity of it due to not recognizing the account due to not seeing anything about this account in years. Upon receiving notice I made contact on XX/XX/XXXX at XXXX XXXX to gather some information and attempt to make a settlement. I spoke to a representative and then a supervisor named XXXX XXXX. XXXX mentioned 2 adjustments in amounts of {$44.00} and change and {$19.00} and change. I questioned these adjustments and told him I needed verification of where they came from. He told me they came from the original creditor, XXXX XXXX. XXXX also informed me that Midland Credit had already verified the account from the dispute I submitted so no need for verification on the adjustments. XXXX continued to push me to set up a payment and wanted to give me until XXXX the same day I made contact to investigate the adjustments which was not a reasonable amount of time. After ending my call with supervisor XXXX XXXX I attempted to contact XXXX XXXX, the original creditor. I spoke with a customer service representative at XXXX named XXXX who stated she could not find information for that account on her system. I spoke to another representative in the recovery department who stated the same information that they were unable to locate information under my name for that account. I also contacted XXXX to ask the status of the dispute that Midland Credit claims was verified and as of XX/XX/XXXX XXXX claims the dispute is not complete and is still in progress. Midland Credit discouraged a verification or investigation of these adjustments which I have a right to as well as asking me questions such as when my last payment on the account was. Pertinent information such as dates related to the account is their obligation to confirm and depict accurately.
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-01-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: received letter from Midland Credit Management which states that an account was open on XX/XX/XXXX and it was charged off on XX/XX/XXXX with a balance of XXXX this company has placed this information against my credit and I did not open this account. I have completed a police report as well. Please remove this from my credit report as soon as possible. I'm currently in the middle of closing on a home and this infraction is counting against me and it's not mine.
Company Response:
State: FL
Zip: 32233
Submitted Via: Web
Date Sent: 2021-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is the third time I have had to dispute the account that was illegally re-aged MIDLAND CREDIT MANAGEMENT # XXXX and place on my credit file. I have filed a FTC ID theft report and a CFPB compliant. I have never done any business with MIDLAND CREDIT MANAGEMENT. Please remove this account at once. I have no problem with filing a LAW Suit against MIDLAND CREDIT MANAGEMENT.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I didn't receive a notification of any kind. Since my divorce, I have filed a change of address card with every move and my phone number is unchanged for 15 years. Midland Credit management did not make a good faith effort in contacting me.
Company Response:
State: FL
Zip: 33756
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Noticed collection debt on my report, never received information therefore did not know I could dispute. On XX/XX/XXXX I sent a letter to the collection agency asking for validity of debt. I have documentation that they received the request on XX/XX/XXXX. I received a response from them on XX/XX/XXXX. However ; they did not provide all of the requested information needed to validate. i provided a list below of the requested information for which they did not provide ... - state license number -contract from original creditor -no payment history -no statue of limitations debt owed for my state -no proof they have the right to collect in my state -no contract between them and original creditor I responded on XX/XX/XXXX stating the above for which I have documentation that they received on XX/XX/XXXX. The Agency has not complied as of this date and they have advised the credit bureau to have it remain as per my dispute.
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A