Date Received: 2021-01-04
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Midland Credit Management was sent a certified letter in XX/XX/XXXX asking them to verify whatever debt they alleged was owed and a notice to stop all communication attempts aside from mail. USPS verified they received that notice and request on XXXX. Midland Credit Management ignored that request by never responding to the request, which is allotted to consumers under the Fair Debt Collection Practices Act, and continued to harass the alleged debtor. Please see below for an exert of direct communication ( the first paragraph was included in the XX/XX/XXXX certified letter and pasted into the second certified letter sent XX/XX/XXXX ), sent via another certified letter to Midland, on XXXX : The alleged debtor would also like to request, in writing, that no telephone contact by your office or affiliates to any contact number your company or affiliates associated with the alleged debtor. This includes personal and employment information. If your offices attempt telephone communication, it will be considered harassment and the alleged debtor will have no choice but to file a complaint. All future communications with the alleged debtor must be done in writing. Since receiving the accused debtor communication in XX/XX/XXXX, Midland Credit Management has attempted telephonic contact at least seven different times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST '' Since sending them the 2nd certified letter, confirmed delivered by USPS on XXXX, Midland has again continued the harassment of the alleged debtor and has attempted to call at least four more times : XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST XX/XX/XXXX at XXXX XXXX CST. Midland Credit Management has broken the law twice regarding this case and still continues their harassment. The alleged debtor has all documents sent to and requested of Midland, tracking numbers, certification documents from USPS that the letters were received by their company, and phone records to prove all allegations. The alleged debtor has two certified letter confirmations that they received the request for debt validation and to cease all communication attempts unless via mail and Midland continues without any regard for the law. This company needs to be stopped or held liable in a court of law. Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Company Response:
State: NE
Zip: 680XX
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Debt was sent to collections without being informed of balance being due
Company Response:
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
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: 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: 02122
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, GAXXXX MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone number ( XXXX ) XXXX RE : AccountS # XXXX ( {$1000.00} ) ; XXXX ( {$6200.00} ) ; XXXX ( {$4400.00} ) To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a vAriginal creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX Please remove this account from my credit and do not contact me by phone only contact me by mail or by CFPB portal.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 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. I have no recollection of ever owning this account!
Company Response:
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I have been harassed to where I had a mental breakdown from a debt collector from something 13 years ago ... MIDLAND CREDIT MANAGEMENT now deployed robo calls impersonating police and government saying I am committing a crime and said I would be arrested and a warrant out for unpaid debt of {$2200.00} from 2008 which was taken care of. I am scared. They also sent someone to my house. I filed a claim but you closed it after they lied to you and said they couldn't find my account. I have enclosed a screen shot of my account on here to prove they are the ones harassing me daily. They also did this for another very old debt from over 7+ years ago and sent packages and certified padded envelopes disguised as gifts but have threatening attorneys and police in the letters.
Company Response:
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Midland Credit Management Inc LLC who is a subsidiary company for Encore Capital Group- have caused me mental pain due to them lying about being law enforcement through robo calls and sending packages disguised as gifts. They have called my family and threatened them. They never tried to accept my payments for what I can afford or return my numerous letters sent pro-bono from an attorney for me. They keep saying they are the police and will arrest me for the unpaid debt from a XXXX XXXX XXXX credit card I am still working with XXXX XXXX XXXX.. They also had someone come by my house!!!!
Company Response:
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Midland Funding contacted and attempted to contact multiple family members as well as attempted to contact my place of employment and discuss my personal information with 3rd parties and violate my privacy
Company Response:
State: TX
Zip: 78410
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A