Date Received: 2023-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is not my debt!! I keep contacting you to get this removed.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Collection agencies reported old debt as XXXX.
Company Response:
State: ND
Zip: 585XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/XXXX approximately I called Midland credit to resolve the issue and he acknowledged I had a dispute from XXXX already in place and said he would send me paperwork and it's been over two weeks still no paperwork and my credit still is in limbo please can you help
Company Response:
State: NM
Zip: 88001
Submitted Via: Web
Date Sent: 2023-09-29
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: Their investigation did not fix an error on your report
Consumer Complaint: This creditor was reporting an account with all 3 credit bureaus using my personal information without my authorization. I disputed the account with 3 bureaus and the creditor under the same UCC Law. After the results were complete the account was deleted from XXXX but was updated as verified with XXXX and XXXX XXXX. I asked the creditor to delete that account from the other 2 bureaus as well because clearly there was inaccurate information being reported from this one account. I followed up with another dispute only for the company not to delete the items. Pursuant to 15 usc1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( a ) Reporting information with actual knowledge of errors ( b ) Reporting information after notice and confirmation of errors this company is in violation if several laws.
Company Response:
State: GA
Zip: 30296
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Random numbers calling me about debts that I dont owe
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I pulled my consumer report from the three credit bureaus, XXXX, XXXX and XXXX. I noticed that an unauthorized alleged debt with the balance of {$10000.00} was placed on my consumer report from MIDLAND CREDIT MANAGEMENT , INC ( in which I disputed with all three bureaus ) on XXXX XXXX as well as a Notice of Judgment Lien upon a property dated on XXXX XXXX XXXX I also noticed that there appears to be an alleged account update on my consumer report dated XXXX XXXX I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$10000.00}. Instead, they sent me an unknown forced judgment lien document that appears to have fraudulent information regarding my personal information. This company has threatened my livelihood for the attempt to seize property without valid debt verification, they have went against the law 15 U.S.C. 1692g-Validation of Debt process of consumer disputing any alleged debt without proper communication or appropriate investigation. This company has unlawfully taken legal action to damage my credit, wage garnishment, inability to obtain housing, has caused me the inability to obtain employment and has caused a great amount of stress whereas I can not sleep at night wondering if I will be able to provide stable living for myself. This company has not contacted me of any type of alleged debt collection. I do not know who this company is and/or why they are threatening my being. On XXXX XXXX XXXX I sent this company a letter to verify this alleged debt IMMEDIATELY, and I have not heard or received any type pf documentation to do as such. As far as I am concerned this alleged debt does not belong to me as I have never signed any type of contract, met in person or talked with anyone from this company or gave any consent of doing business with MIDLAND CREDIT MANAGEMENT , INC. My consumer right as a natural person state that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. Again, this matter has caused me such stress and XXXX I have emotional distress since this alleged debt of {$10000.00} as well as a judgment lien has beem placed on my consumer report shows that I am not protected as a consumer from the credit bureaus or this company. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that MIDLAND CREDIT MANAGEMENT is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.
Company Response:
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: A cease-and-desist on all phone calls was issued and the company has yet to abide by that request I get phone calls four times a day with one last night being at five minutes to XXXX XXXX. I do not know what this alleged debt is as I have never signed a contract with Midland credit. I do not have an account that I opened with Midland credit because I do not have a signed contract with Midland credit nor an account with Midland, credit the calls, harassment, and negative affect my credit report. Need to stop and be removed.
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX has garnished my wages. I am a single parent. This law firm went ahead and garnished my wages for a debt without allowing me to settle thru a payment arrangement. As a result I am not able to pay my rent. I am a state employee and a single mother on very low income. I have made repeated attempts to both call their office and filled out a online payment settlement letter request form more than once. All attempts have been ignored. I emailed them this morning and they stated that someone would contact me. I then attempted to call their office six or seven times and left messages. I still haven't received any responses. This garnishment has placed me in a state of homelessness because I was unable to make my rental obligation.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I did not recieved a validation letter within 5 days of my debt being sold which is required by Florida law.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XXXX XXXX I have sent to MIDLAND CREDIT MANAGEMENT , INC, a request to validate account # XXXX and show me proof of ownership. They have failed all this time to send the required documentation to prove that this account is mine. As per the DFCPA, MIDLAND CREDIT MANAGEMENT , INC must prove that this acct is mine showing any existing contract or application signed by me with my social security number.
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A