Date Received: 2020-11-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have the Original creditor, XXXX XXXX XXXX, reporting a delinquency on my credit, after they sold the account to Midland Credit. The issue is that XXXX XXXX is still reporting the account delinquent on my credit, and Midland is reporting the account delinquent on my credit, giving the impression to other creditors that I have multiple delinquencies, when in fact I do not. This is false and misleading, and hurtful to my credit score and subsequently hurting my interest rates on credit cards and potential auto loans and mortgages.
Company Response:
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: My employer was served a court notice about a alleged debt with XXXX in which I dont recall or have any knowledge of having it that was owed since XXXX never was aware or knew anything about this until today XXXX XXXX its discouraging considering they are making an attempt to garnish my wages on something I have no knowledge of. The initial debt was XXXX in XX/XX/2006 and now they are seeking XXXX in which is ridiculous and immoral!!
Company Response:
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company sued me without any evidence of this debt and after continued to harass me to collect on a wrongful amount that I didnt owe. I have successfully removed them from two credit reporting and will continue to try to remove them from the final.
Company Response:
State: TX
Zip: 77070
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This account showed up on my credit report. I have no knowledge of the debt. There is no signed contractual agreement that shows that I'm to pay this company this debt. There is nothing signed by me and I have never received any type of service or card from this creditor.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I received written notification from Midland Credit Management that my account with XXXX XXXX account ending XXXX ( XXXX ) had been sent to them on XX/XX/XXXX for not paying the amount of {$460.00}. Upon receiving this notification, I checked all of my bank records and found no such account in my records. I do have 3 other XXXX XXXX accounts : XXXX ending XXXX, XXXX ending XXXX, and XXXX 's ending XXXX. I then called XXXX XXXX to see if they had charged-off a debt on any of my accounts, and they confirmed that they had not and went as far back as XXXX. I have never received a bill ending in XXXX and this is the only document that I have received.
Company Response:
State: VA
Zip: 22901
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Received letter from XXXX Civil Court of XXXX XXXX XXXXXXXX, XXXX XXXX postmarked XX/XX/2020 notifying me that Midland Credit Management INC was suing me Index No XXXX without notification from the collection agency or without any attempts to be served. Amount due according to the court is {$1400.00}. I have also sent a letter outlining that I am disputing the debt as well.
Company Response:
State: NY
Zip: 10308
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020 i submitted a debt validation letter to Midland Credit Management and it was received by them on XX/XX/2020 via certified mail. I gave them 30 days to respond and haven't received any written response from them.
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a legal document in the regular mail that was a Second Notice to Defendant with XXXX XXXX XXXX XXXX, now signed by attorneys for XXXX XXXX XXXX. Stating the Court issued a Continuing Writ of Garnishment on my employer. I have never received anything about this case until now ever! I looked up local court records under my name and apparently there was a default judgment issued against me and for Asset Acceptance LLC on XX/XX/2010! This has never even been on my credit report! I have no knowledge of this matter at all or what it was for. What should I do?
Company Response:
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: At the middle to end of summer, I began receiving calls from a company identified as Midland Credit Management on my phone 's caller id. I ignored the calls because I do not have any outstanding debt. On XX/XX/2020, I wrote a letter to the company, requesting all communication to be written and for debt validation. I received a response from the company, stating they could not validate any debt against me and requested more info. I responded on XX/XX/2020, sent the letter certified and received return receipt proof on XX/XX/2020. As of XX/XX/2020, the calls have started up again. I received multiple calls on XX/XX/XXXX and XXXX. I DO NOT have a debt that this company is attempting to collect. I believe now they are being vindictive and childish. This is a formal complaint against Midland Credit Management for false debt collection.
Company Response:
State: WY
Zip: 82001
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I'm having financial hardship and I called to see If I could settle both of my debt accounts but the problem is that I'm being put to be handled on the Spanish department over the phone and I don't Speak Spanish that much to be honest, I'm guessing that they put me there because of my name which I understand the confusion but I'm not so fluent with Spanish to be honest, I understand the mistake that they made by placing me on the Spanish Department but when my husband was speaking with them he asked to be transferred to a domestic representative for some reason they keep trying to change the topic and not do our request by bringing something else up and trying to avoid our requests, at one point we had to tell the consumer service agent to take us to a local representative three times after she kept saying that she will transfer us to the Spanish department and so she tried which made my husband mad because we had been trying to contact with them for about an hour and we felt like they did not tried to cooperate with us and where just giving us excuses, that made us not want to deal with them no more, and even if they were to speak English I would not feel comfortable speaking with them. Also when we first called to a domestic representative we were told that my file had a Spanish code on it so only the Spanish department could access my file which is the main problem of this complain, We where also told by the Spanish representatives that that code had been already taken off but when we call a domestic representative for some reason they say that the code is still there and because of that they can't access our file and help us and I feel that they're trying to keep us on the Spanish department for some reason.
Company Response:
State: CA
Zip: 93305
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A