Date Received: 2023-10-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Management ( MCM ) has sent me a letter dated XX/XX/XXXX with wording suggesting legal action would be taken. Verbiage is Avoid Legal Action and Save and Avoid further legal action The debt they mention is from a default in XXXX ( or later, its no longer on my credit report ) The original debt amount was {$1300.00} after a default judgement ( I was never served properly and it should have been thrown out ). They are attempting to collect {$1700.00}. Not sure where the extra almost {$400.00} came from. If this was already a judgement, it cant be sent to the magistrate again in XXXX. They have also been calling me daily from spoofed phone numbers such as one from XXXX XXXX when called back, the response I get is thank you for calling the legal department at Midland Credit Management I dont believe spoofed numbers are legal in XXXX either.
Company Response:
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Subject : Midland Credit Management : Account # XXXX I have made written requests to Midland Credit Management and They have Ignored, my written requests, refused to answer or delete the incorrect information Stop the collection effort on debt that I do Not own Failing to Validate the Debt! I- Request for Documentation Debt Validation In Compliance with CFPB Debt Collection Regulations II- Request for Documentation Debt Validation In Compliance with Fair Debt Collection Practices Act ( FDCPA ) III- Notice of Formal Dispute ( Attached ) In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below you Midland Credit Management have violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. pursuant to Fair Credit Reporting Act 15 U.S.C 1618 et sec, I am requesting that the information regarding this account be verified or immediately removed from my credit report Under 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. FCRA section 611 & 5 U.S.C.S You are required to conduct thorough investigation when I dispute incorrect information reported by you my credit report Pursuant tp FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you MCM are required to provide me ALL relevant information gathered during investigation including current status of this account. I Have made several written requests and you have FAILED -Refused to do so. Midland Credit Management Repeatedly Refused to verify/validate this debt Midland Credit Management Repeatedly invaded my privacy by unjustifiably intruding into my personal life without my consent Midland Credit Management has Repeatedly, unjustifiably, intentionally deformed my character in public Midland Credit Management has violated federal law by improperly using my personal information in my credit report Midland Credit Management has Threatened to ruin my life and my reputation by keeping this collection in my credit I have asked Midland Credit management to validate debt and provide the following documents but they have refused neglected to do so ( see below ) : Original signed contract that shows I am responsible for this debt My credit application for this debt Proof that you have the legal authority to collect on this debt Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. ****Please Remove this debt from my credit report Immediately 1- Midland Credit Management to remove Immediately this negative improper inaccurate derogatory information from my credit report
Company Response:
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXX XXXX sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. Midland credit, XXXX bXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX midland credit XXXX XXXX XXXX )XXXX XXXX XXXX, midland ( XXXX XXXX XXXX These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need help.
Company Response:
State: KY
Zip: 40004
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/ {$640.00} I left Them know several times i was a victim of identity theft i have no knowledge of these account and money owed. i disputed it several times and they kept in on my credit report saying that this account was indeed mines.
Company Response:
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An account that went by ( midland financial ) was added to my report that I had NO KNOWLEDGE OF. I've disputed multiple times and can't seem to get them to answer. ( Midland finacial ) is inaccurate with there information. They are adding payments every month, saying that I'm behind on payments and that's not legal. They were already taken off the other companies from bogus info.
Company Response:
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Contacted Midland Credit after XXXX the phone number that called me ( XXXX ) XXXX, to determine who was calling me. I asked them who they were and they said that it was a personal matter and asked me to verify my social security number. I give that out to unknown person over the phone ; and let them know that. I asked why they were calling me and then started the barrage of threats to settle my debt immediately or I would face grace consequences from my employer being contacted, to papers being filed by XXXX today at court which could result in anything from my wages being garnished up to my imprisonment. I then explained that I have a very poor credit and have for many years and don't even apply for credit let alone have any to have defaulted on. I asked for proof the debt was mine by way of the application and signature, and any other supporting documents. I was just told to settle my debt by XXXX today. When I again said that the debt could not be mine, I was read the phone number and " my '' account number and advised to call by XXXX to make arrangements before bad things start to happen.
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed an account on my credit reports from a company called MIDLAND CREDIT MANAGEMENT that I had no business relationship with. MIDLAND CREDIT MANAGEMENT was attempting to collect on a an alleged debt in the amount of {$770.00}. I have had my identity stolen and sent MIDLAND CREDIT MANAGEMENT a letter via certified mail XX/XX/2023 notifying them about this fraudulent account including a copy of my Identity Theft report asking them to please delete the fraudulent account from my credit reports. I also disputed this fraudulent MIDLAND CREDIT MANAGEMENT account with the credit bureaus. MIDLAND CREDIT MANAGEMENT however continued reporting this fraudulent MIDLAND CREDIT MANAGEMENT account with the credit bureaus. XX/XX/2023 I noticed MIDLAND CREDIT MANAGEMENT still reporting this fraudulent MIDLAND CREDIT MANAGEMENT account with the credit bureaus. I then sent MIDLAND CREDIT MANAGEMENT a DEBT VALIDATION LETTER via certified mail XX/XX/2023 requesting the agreement between MIDLAND CREDIT MANAGEMENT and myself and the original application for the account. MIDLAND CREDIT MANAGEMENT violated the FCRA 15 U.S.C. 1681g ( d ) by failing to provide the evidence requested after being notified about the identity theft. FCRA 15 U.S.C. 1681g ( e ) states .... a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) MIDLAND CREDIT MANAGEMENT was required to cease collection efforts until the alleged debt was validated but failed to do so. MIDLAND CREDIT MANAGEMENT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). I saw the fraudulent MIDLAND CREDIT MANAGEMENT account XX/XX/2023 on my credit reports. I then sent MIDLAND CREDIT MANAGEMENT a FAILURE TO RESPOND letter via mail XX/XX/2023. MIDLAND CREDIT MANAGEMENT violated the FDCPA 15 U.S.C. 1692e ( 2 ) In its attempt to collect on an alleged debt by falsely representing the character, amount, or legal status of any debt. MIDLAND CREDIT MANAGEMENT violated the FDCPA 15 U.S.C. 1692f In their attempts to collect on the alleged debt by collecting an amount that was not expressly authorized by an agreement creating the debt or permitted by law. MIDLAND CREDIT MANAGEMENT violated the FDCPA 15 U.S.C. 1692g ( b ) by not ceasing collection efforts until the debt was validated. Case law is well settled that reporting an alleged debt to the credit reporting agencies is " an attempt to collect on a debt ''. Pursuant to the FDCPA 15 U.S.C. 1692g ( b ) MIDLAND CREDIT MANAGEMENT was required to cease collection efforts until the alleged debt was validated but failed to do so. MIDLAND CREDIT MANAGEMENT continued reporting the alleged debt to the credit bureaus in its attempts to collect on the alleged debt thereby violating the FDCPA 15 U.S.C. 1692g ( b ). Additionally, MIDLAND CREDIT MANAGEMENT FAILED TO RESPOND to the DEBT VALIDATION LETTER within 30 days causing me to send a FAILURE TO RESPOND letter via certified mail XX/XX/2023. MIDLAND CREDIT MANAGEMENT violated the FCRA 15 U.S.C. 1681i by not validating the alleged debt within 30 days. I saw the fraudulent MIDLAND CREDIT MANAGEMENT account XX/XX/2023 on my credit reports and it is still there as of this filing.
Company Response:
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I request a full investigation into the charge off account and evidence of its ownership. On XX/XX/XXXX, XXXX XXXX XXXX XXXX credit card accounts were opened, but I only authorized XXXX. I had no knowledge of the second account. Despite this, I am receiving letters claiming the account was verified and requesting payment, yet no evidence has been provided to prove the account was mine. I will attach copy of the letter I received from them to prove they're ignoring my request and they are not providing any type of ownership evidence for the charge off account.
Company Response:
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: someone opened several accounts in my name using my old email, these were opened online we were unaware of these debts. The company midland credit management has started garnishment on the one account. When the accounts were opened we were in a XXXX XXXX
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: REMOVE THIS COLLECTION IMMEDIATELY,15 USC 1681A 2B, ANY OTHER PURPOSE AUTHORIZED UNDER SECTION 1681B OF THIS TITLE. 2 EXCLUSION- EXCEPT AS PROVIDED IN PARAGRAPHS ( 3 ) THE TERM CONSUMER REPORTS DOES NOT INCLUDE ( a ) SUBJECT TO SECTION 1681-3 OF THIS TITLE, ANY ( I ) REPORT CONTAINING INFORMATION AS TO TRANSACTIONS OR EXPERIENCES BETWEEN CONSUMER AND THE PERSON MAKING THE REPORT ; COMMUNICATIONS OF THAT INFORMATION AMONG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE. THE INFORMATION MAY BE COMMUNICATED AMONG SUCH PERSONS AND THE CONSUMER IS GIVEN THE OPPORTUNITY, BEFORE THE TIME THAT THE INFORMATION IS INITIALLY COMMUNICATED, TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMONG SUCH PERSONS ; ( B ) ANY AUTHORIZATION OR APPROVAL OF A SPECIFIC EXTENSION OF CREDIT DIRECTLY OR INDIRECTLY TO A CONSUMER CONVEYS HIS IR HER DECISION SUCH NITICE MAY BE GIVEN TO A CARDHOLDER, Y PRINTING THE NOTICE OB ANY CREDIT CARD, OR ON EACH PERIODIC STATEMENT OF ACCOUNT, ISSUED TO THE CARDHOLDER, OR BY ANY OTHER MEANS REASONABLY ASSURING THE RECEIPT THEREFORE BY THE CARDHOLDER. ( I ) THE TERM CREDIT CARD MEANS ANY CARD XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A