Date Received: 2023-10-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I hope this letter finds you well. I am writing to seek assistance and guidance regarding a matter of significant concern involving a legal action initiated by XXXX XXXX, a retail company, concerning an account that I have no knowledge of ever opening. I am deeply troubled by this situation as it has had a significant impact on my financial well-being, and I am unable to resolve it through direct communication with the company. Here is a brief overview of the situation : On XXXX XXXX, I received notice that Midland has filed a lawsuit against me for an account that I have no knowledge of and believe to be an error or a case of identity theft. Despite numerous attempts to communicate with XXXX XXXX midland and request information about this account, they have not provided me with any details or evidence that this account is genuinely mine. I have not received any documentation that would confirm my responsibility for this alleged debt. To the best of my knowledge, I have not engaged in any transaction with XXXX XXXX/ midland that would warrant such legal action. This situation is causing severe distress and financial hardship for me, and I believe that my rights as a consumer are being violated. I kindly request your intervention and assistance in this matter. I would appreciate any guidance you can provide in resolving this issue, including steps I should take to confirm whether the debt is valid or if this is a case of identity theft. If necessary, I would also appreciate any assistance in compelling XXXX XXXX to provide the necessary information to prove my liability for the debt they claim I owe. I have attached copies of all relevant correspondence and notices for your reference. Your prompt attention to this matter is greatly appreciated, as it has caused significant stress and financial burden. I am eager to resolve this issue and ensure that my rights as a consumer are upheld. Thank you for your assistance in this matter.
Company Response:
State: NJ
Zip: 07860
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I am writing to formally register a complaint against Midland Credit Management ( MCM ) for their unethical and potentially illegal debt collection practices. On XX/XX/2023, I dispatched a letter to MCM, wherein I highlighted their inappropriate tactics, notably their threats of legal action, and issued a cease and desist order. My contention is that MCM 's conduct violates sections 807 ( 4 ) and 807 ( 5 ) of the Fair Debt Collection Practices Act ( FDCPA ). Specifically : - 807 ( 4 ) : MCM implied that nonpayment would lead to legal consequences, which either aren't lawful or they don't genuinely intend to pursue. - 807 ( 5 ) : MCM threatened actions that may not be legally executable or were never intended to be undertaken. Despite my communication, MCM failed to acknowledge or adhere to my request. On XX/XX/2023, I received two bills from MCM related to account numbers XXXX ( {$1200.00} ) and XXXX ( {$1100.00} ). Although these bills were dated XX/XX/2023, a representative from MCM, XXXX XXXX XXXX ( contact : XXXX ), confirmed they were dispatched on XX/XX/2023. XXXX XXXX, upon initiating our phone conversation, informed me that our call " may '' be recorded but failed to confirm its recording status. I, however, informed him that I was recording the conversation. It's worth noting that these bills explicitly mentioned they were from the 'pre-legal department ', which I perceive as another attempt to intimidate and coerce payment. Furthermore, while these debts appear on my credit report, they are marked as " in collections '' under comments, even though MCM isn't listed as the collecting agency.
Company Response:
State: MT
Zip: 59718
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Lender Info ( Midland Credit Management ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was served court documents XX/XX/2022 in the mail saying that I was going to be garnished by this company for my XXXX XXXX XXXX credit card in the amount of {$1300.00}. They had already sent information to my job and the garnishment started two weeks after I received the letter. I contacted them after I got release papers from XXXX XXXX XXXX XXXX saying debt was paid in full XX/XX/2022. They claim they never received anything from them and I am still responsible for the debt. I contacted XXXX XXXX XXXX XXXX and she told me the exact date the last payment was sent and thats why she sent the letter to me and my employer releasing me of the garnishment.
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: I have two companies contacting me at the same trying to collect on the same debt. One company send multiple emails and another company mailed my confidential financial information addressed to my boyfriend.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: After suffering job loss during the pandemic and asking to have this debt removed from my credit report due to natural disaster ( Covid-19 ) in 2020 this third party debt collector refused. They then contacted my boyfriend and sent him a letter addressed to him and not me with my debt information and a collection notice. The notices are for my accounts and they sent him my past due bills.
Company Response:
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Midland Credit Management and also XXXX XXXX XXXX companies are both third party debt collector.. I have ask for both companies to send me all document with original contract or signature or account accuracies.. Midland Credit Management has debt for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has account for {$580.00} open XXXX XXXX I have disputed these at least 3-4 time.. I just really need help and removing these items off my report..
Company Response:
State: AR
Zip: 717XX
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Around XX/XX/2023 I mailed disputes letters to XXXX and the creditor, requesting proof of the alleged credit card debt. As of XX/XX/2023 I have mailed 3 dispute letters to the credit bureau and the creditor and still haven't received proof of the alleged debt with my signature
Company Response:
State: MI
Zip: 48224
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In a previous complaint this company responded with the below regarding notice : We mailed you separate and unique validation letters on XX/XX/XXXX, for account no. XXXX, and on XX/XX/XXXX, for account no. XXXX. Please provide the proof of notice, perhaps with a return receipt mailing that I signed. I did not receive notice that is supposed to be given by law for either account. You have violated my right to notice and have negative information on my credit reports without being able to provide proof of notice. Also, please provide itemized statement of accounts to included charges, payments, credits, fees, etc. to present date of XX/XX/XXXX.
Company Response:
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In accordance with The Fair credit reporting act account name XXXXMIDLAND CREDIT MANAGEMT has violated my rights. 15 USC 1681 section 602 States I have a right to privacy. 15 USC 1681 section 604 A section 2 States a consumer reporting agency can not furnish any 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. This company keeps updating my info plus {$1.00} minus {$1.00} making my credit score go down every time. This company said there deleting this and it's still on my XXXX report.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I found out that there are 2 debt collections and credit card accounts under my credit report which are not mine. So I contacted all 3 credit bureaus ( XXXX, XXXX and XXXX ) and also all the credit card company and debt collections. The thief used my identity opened accounts : 1. Midland Credit Management : {$610.00}, date opened on XX/XX/XXXX. XXXX. Midland Credit Management : {$500.00}, date opened on XX/XX/XXXX. XXXX. XXXX 's : {$1300.00}, date opened on XX/XX/XXXX. XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A