Date Received: 2023-10-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I pulled up my credit report on XX/XX/XXXX in I noticed an account from Midland credit management- XXXX. I have never entered into a consumer credit transaction with this company. I asked for proof that I owe this company this alleged debt, I never received anything from them. I also noticed that the start date for this account is XX/XX/XXXX which makes no sense because I never got a chance to dispute this alleged debt before it being furnished on my consumer report. If the company can not provide sufficient evidence and the method of verification for the account then it should not be on my report.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I asked this company to send me any proof of my signature that I made for this inquiry/collections account made in my name I send a paper that my identity and information may have been stolen from the hospital I was in and they still havent send anything showing I was the owner of that collection or inquiry so Im demanding they remove this from my credit report because its hurting my score and stoping me from reaching my financial goals
Company Response:
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Company has selectively provided and omitted specific information on an alleged debt. They have listed alleged debt on my credit reports and have not provided me with documentation required by law. The Debt Buyer is not familiar with Virginia law, the state that governs my original agreement.Debt Buyer must provide original agreement or provide affidavit attesting to lost or destroyed agreement. XXXX Virginia Midland has dumped a patchwork of documents trying to prove a bill of sale from creditor to debt buyer. There is nothing that specifically references my account in a bill of sale. The bill of sale is deficient and is just a portfolio of random debt that Midland purchased at different dates. One document here is a certificate of conformity related to the state of NY that has absolutely nothing to do with my account. I have requested multiple times the original contract between XXXX and myself as it is my legal right. They either do not have this information or refuse to give it to me. Instead they send robo signed affidavits with debt sales from XXXX files that preceded my alleged default with Creditor. Again, I demand Proof that the buyer actually purchased this specific account ; and The terms and conditions of the sale of the account. In Midland 's attached response documents, they list affidavits. Do these people who have sworn affidavits have personal knowledge of the facts of my account if they can not locate the original contract? Debt Buyer also claims the statute of limitations will not expire until XX/XX/XXXX. The debt buyer is again providing inaccurate information to me and on my credit reports. The statute of limitations starts tickingon the date of the last activity of the original credit account and not the datea debt buyer arbitrarily chooses. Debt Buyer has a history of flagrant violations of consumers rights and has been successfully sued multiple times by the CFPB for millions of dollars. In XXXX, Midland was found guilty of violating the Fair Debt Collection Practices Act and the Consumer Financial Protection Act by suing consumers without proper documentation, attempting to collect on debts that were too old, and failing to provide consumers with legally required disclosures. That same year, the company was sued by 42 states and the District of Columbia for engaging in illegal debt collection practices, such as filing lawsuits without proper documentation and attempting to collect on debts that were too old. Midland paid a {$6.00} XXXX settlement to resolve that lawsuit. In XXXX, the company paid {$12.00} XXXX to resolve allegations made by the Commonwealth of Massachusetts that it had engaged in deceptive and unfair debt collection practices, such as filing lawsuits against consumers without proper documentation, collecting on time-barred debts, and harassing consumers with excessive phone calls.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management Inc. Has stolen my personal information. I have no contract with Midland Credit Management inc. and I have never given them any personal information of mines. How did they obtain my personal information? Midland credit Management Inc is reporting illegal and unauthorize personal information on my credit report. Midland credit Management Inc is using my stolen personal information to take me to court under false pretenses. What laws were used to get my personal information and file a lawsuit on me for an alleged debt that is already paid for? I the consumer have given midland credit management Inc. Notice letters of dispute, Opportunity to cure and opt-out request. Midland Credit Management refuse to perform based on law. Midland Credit Management Inc. Continues to use stolen personal information in misleading and deceptive practices. Who authorized the selling.Sharing. or reporting of my personal information? I the consumer did not consent to this. Yet i continue tobe harass with illegal reportting and court casses that i never agreed to or authorize this use of my personal information
Company Response:
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I didn't know I owed anything until I saw the collections notice on my credit report. This collections agency never called me. Sent an email, or mailed me any kind of notice that I received. The collections is from a XXXX XXXXXXXX credit card that they bought the debt from. I gathered this from what is written on my credit report. I had paid this debt through a credit card consolidation I had done many years back. I disputed this debt with the company and no one has reached out to me or removed it from my credit report. I won't pay this debt twice. It needs to be removed from my credit report.
Company Response:
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The company Midland Credit Management refuses to provide the following information : 1. The proof that the contract does not pass the statute of limitations contract law California ( California is 4 years ) 2. The full contract with my signature that I am doing any business with Midland Credit Management. 3. Provide me with ALL ORIGINAL DOCUMENTS, that show the proof of the balance, interest rate, DISCLOSURE FORMS, and my original signature on the contract. ( DO NOT SEND ME A VERIFY STATEMENT ). Anyone can make up a verified statement. 4. Did a lawyer review this collection account, you claim I owed? If yes, provide the document the lawyer signed. 5. The original documents Midland Credit Management has the right to obtain my information This is clear and precise for ALL the documents I am requesting. There has been a misunderstanding or comprehension problem on your side about my request. I hope this clarifies what I need from Midland Credit Management.
Company Response:
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602A states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland credit management company is still reporting on my credit report and according to New York State this is illegal, they can not report after 3 years. This is not even my debt to begin with. I am looking to remove this immediately they have an amount of {$10000.00}.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have never contracted with this company and I no knowledge of this a ledge loan. I dispute this debt, and its entirety. I have requested debt validation. Ive also sent interrogatories for them to answer, and they. I dispute this debt, and its entirety. I have requested debt validation. Ive also sent interrogatories for them to answer, and they have not responded to any of my correspondence. I also responded requested proof of claim. They didnt comply with FCRA law. I never received In information about this matter before it was reported on my credit I filed a complaint with the Georgia state Attorney General about this company for violation Federal Law in respect to FCRA and the FDCPA
Company Response:
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: This was a old debt that was sold to a company I didn't sign papers with. They have no proof of my signature.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A