Date Received: 2020-09-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Today, XX/XX/2020, I recieved a letter from MCM threatening to take me to court if I didnt pay my balance. I had already spoken to them about not calling my spouse ( which they did without my permission ) and I told them I would contact them a few months later. So they are falsely accusing me of not being in contact with them, and threatening to sue me of a debt over a year old.
Company Response:
State: OK
Zip: 74801
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
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: 29223
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently obtained a copy of my credit report and noticed accounts I did not authorize.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I filed a dispute with the credit bureaus that this account is incorrect. Midland Credit Managment is stating that I have a balance of {$370.00} from XXXX XXXX. I have informed them numerous times that this account was paid in full years ago with XXXX XXXX XXXX but yet Midland Credit continues to report it. I called them to request a payment for deletion letter to just be done with this and get it removed from my credit report to which the agent XXXX XXXX stated that he can not discuss any payment options with me via the telephone. I am requesting that Midland Credit get an update account information from XXXXXXXX XXXX XXXX and remove this collection from my credit file. If they still state that I owe money, I am requesting that they submit to me a payment for deletion letter so that I can pay whatever they fraudulently think that I owe have this removed from all credit reports! The account original # is XXXX. The midland funding LLC account # is XXXX.
Company Response:
State: FL
Zip: 32003
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: There is a company named Midland Credit Management that is calling my house number. I don't know why they are calling cause I am using the Do Not Call Registry. I don't have debts outstanding or in arrears with any company. I WILL KINDLY APPRECIATE YOU HELP ME TO TELL THIS COMPANY TO DELETE MY NUMBER FROM THEIR LIST. THEY HAVE A WEB PAGE, BUT CAN NOT BE ACCESSED UNLESS YOU HAVE AN ACCOUNT, WHICH I DON'T HAVE. THEY ARE CALLING 4 OR 5 TIMES DAILY. IT IS EXASPERATING. THANK YOU IN ADVANCE FOR YOUR COOPERATION.
Company Response:
State: PR
Zip: 00725
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: FL
Zip: 33904
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from MCM Midland Credit Management on XX/XX/2020 attempts to collect the debt that not belong to me. They try to collect the money for XXXX XXXX. account number : XXXX and the Midland Account number : XXXX with XXXX XXXX account : XXXX. The amount of account balance is {$14000.00} I never have a account number like that with XXXX.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1975 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33904
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I called XX/XX/XXXX and it was a recorded line basically saying that I need to dispute with credit reporting agency they will send over the dispute to the Fraudulent company midland funding LLC for the amount of {$310.00} from a buy back from XXXX XXXX from back in XXXX. This agency was another collector that was on my Bankruptcy over 15 years ago! Looks a little different. But in researching this collection agency. They should have been shut down a longtime ago by FTC and US Government. I see nothing but Fraudulent amount, that don't belong to ME. So why in the XXXX does XXXX XXXX appear so many times on my credit report in a 3 Reporting agencies. I mean come on you piece of garbage.I 'm in the process of contacting my attorney who did the Bankrupt for me I can't find my order and all the creditors that collectors that were on there. I was a victim of fraud before and Present. This collection agency. Y'all should XXXX them. It scream Fraud. Get the XXXX off my report.
Company Response:
State: CA
Zip: 95122
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A