Date Received: 2023-10-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Company has listed collection reports on my XXXX, XXXX, and XXXX reports. They have not provided documentation showing they have a legal right to pursue me for this alleged debt. They have failed to provide my original agreement with XXXX and they have also not provided a Bill of Sale from Creditor. Company must provide documents or remove accounts from my credit reports.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I got my XXXX Credit report dated XX/XX/XXXX, Midland Funding acct # XXXX shows this account is scheduled to continue on record until XX/XX/XXXX. I called this afternoon to XXXX to inquire when it would be deleted lady named XXXX says she would check system came back after 10 minutes on hold to say it will remain on report till XX/XX/XXXX told her thats not what was on my report # XXXX for XX/XX/XXXX, XX/XX/XXXX, report # XXXX and XXXX report # XXXX from three reports couldnt be wrong asked for a new report and want it removed XX/XX/XXXX as it says or what shall I do to fix this problem so Im not sure if any thing is correct. Confirmation # XXXX from call today XXXX
Company Response:
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX would withhold my money and were not truthful in relaying information as to why this happened. Finally when I asked them to close the account they didnt and eventually charged me even if they made it seem like this was ok. I would call and be redirected countless times as a tactic to get me to hang up.
Company Response:
State: TX
Zip: 77904
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a Method of verifying this information from credtior Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX for the amount of {$2100.00}. I have never done business with this company.
Company Response:
State: DE
Zip: 197XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am writing to formally file a complaint against Midland Credit Management Inc. regarding a collections account that has recently appeared on my credit report. I have serious concerns about the validity of this account, the handling of my consumer rights, and the impact on my creditworthiness. The specifics of the collections account and the associated violations are as follows : Creditor : Midland Credit Management Inc. Account Opening Date : XX/XX/2023 Account Update Date : XX/XX/2023 Account Appearance on Credit Report : XX/XX/2023 Lack of Contact ( FDCPA 809 ( a ) ) : Despite the account being opened on XX/XX/2023, I received no communication from Midland Credit Management Inc. within five days of this initial action, as required by FDCPA Section 809 ( a ). This constitutes a violation of my rights and has negatively affected my ability to validate or dispute the debt. Status : No contact received within the required timeframe. Potential Statutory Damages : Up to {$1000.00}. Lack of Knowledge ( FDCPA 809 ( b ) ) : The absence of any prior communication and the account 's sudden appearance on my credit report on XX/XX/2023 have left me with no knowledge of this debt. I was not provided with the opportunity to validate or dispute the debt, as mandated by FDCPA Section 809 ( b ). This violates my rights as a consumer and hinders my ability to assess the accuracy and legitimacy of the debt. Status : Debt is unrecognized and unverified. Potential Statutory Damages : Up to {$1000.00}. Request for Validation ( FDCPA 809 ( b ) ) : I formally request Midland Credit Management Inc. to promptly validate the debt, given the discrepancies in reporting dates and the absence of prior communication. As per FDCPA Section 809 ( b ), I am entitled to validation, including documentation that substantiates the debt 's existence, the " original contract signed by XXXX ; XXXX XXXX XXXX, doing business as XXXX XXXX XXXX XXXX original creditor 's identity, and other relevant information. Status : Formal request for validation submitted to Midland Credit Management Inc. Potential Statutory Damages : Up to {$1000.00}. Violation of Credit Reporting Timelines : The account 's appearance on my credit report on XX/XX/2023, without prior notice or validation, has negatively impacted my creditworthiness and violated the Fair Credit Reporting Act 's ( FCRA ) requirement for accuracy in credit reporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ). Status : Collections account appeared on credit report without prior notice or validation. Potential Statutory Damages : Potentially subject to FCRA remedies.
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I opened a dispute with this company because they chose to illegally park on my consumer report. I asked for proof of when/ where I was properly notified about the opening of these collections. However, my request was denied and my dispute was closed despite these documents not being provided. Furthermore, the document regarding me and the original creditor is nevertheless unimportant, as I am not asking for verification of the debt to the original creditor. Your assertion of sending disclosures is disputed as I have no record of receiving any correspondence from your company. By furnishing my private information to these third parties, you are violating my privacy rights. Also, there is a lack of documentation substantiating my obligation to make payments to you. I hereby demand the immediate provision of comprehensive documentation proving I was provided a CLEAR and CONSPICUOUS notice of this debt and informed of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and relevant congressional regulations. If you can not provide the documentation required by law. These collections must BE DELETED from my consumer report to avoid legal action. Debt collector communication disclosure. The statement required by 1006.18 ( e ) .Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original creditor information. And the other required notices/disclosures required by U.S. Code , 1006.34 As stated in your response, you claim that disclosure letters were mailed to me on the following : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Please provide proof that I was sent the proper disclosures and notices required by Congressional laws regulations under U.S. Code, 1006.34 " Notice for validation of debts, ''. I hereby assert that I have not provided a permissible purpose, as defined in U.S. Code 1681b, for your company, " ( MIDLAND CREDIT ) '' to disclose my private information to third-party credit reporting agencies. It is crucial to note that leaking my private information without disclosure would be in direct violation of the Federal Fair Credit Reporting Act, specifically 15 U.S. Code 1681b ( 2a ). I demand immediate cessation of this activity to avoid legal repercussions. 15 U.S Code 1681b ( 2a ) Disclosure to consumer ( A ) In general, Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes concerning any consumer, unless ( i ) A clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. As the consumer, I never authorized your company to furnish any information to my consumer report, nor did I provide my social security number for this purpose. Your company has no authority to report anything to my consumer report. The charge-off information is not public, and therefore you are furnishing unauthorized private information, which has resulted in significant harm to my character and mental health. The failure to provide proper proof of disclosures in question may potentially give rise to a legal cause of action for fraud and identity theft. You must adhere to the necessary procedures outlined by law to avoid any legal consequences. The collections need to be permanently deleted from my consumer report, as well as its closure. Must I remind you, that the Fair Credit Reporting Act explicitly guarantees my entitlement RIGHT TO PRIVACY and privilege to an accurate credit report? Kindly reach out to me promptly with an appropriate update or any inquiries you may have. You are hereby on notice. Thank you,
Company Response:
State: NY
Zip: 10457
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This account should not be furbished on my consumer report as they are in violation under 15 U.S.C.1681b-permission purposes of consumer reporting agency may furnish a consumer reporting. ( Fair credit reporting act ) 15U.S.C.1681et seq ( FDCPA ) Section 1692d:1692e
Company Response:
State: MS
Zip: 39440
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. Additionally, the " date last active '' is different from what another credit bureau is reporting, despite the requirement for all information to be comprehensive and accurate. I also have uncertainties regarding whether I ever held an account with the original creditor. Notably, I received no correspondence notifying me that this account was sold to XXXX XXXX XXXX, constituting another violation. Furthermore, I received no communication by mail leading up to the reporting of this collection account. This account was added to my records in XX/XX/2022. Consequently, I am formally requesting a copy of the correspondence that was supposedly mailed to me during that time, informing me of this debt with your company. Failure to provide this documentation would constitute yet another violation under the FDCPA, which entitles me to seek {$1000.00} per violation. I will attach my credit report to show the many inaccuracies including payment history, date last active, and date last reported. Remove this account from my credit report.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33634
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A