Date Received: 2023-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was the victim of identity theft and to the best of my knowledge credit cards were opened in a variation of my name and checks were fraudently made in my name draining my account. I reported this to the local sheriffs office and called in to the credit card companies and asked the accounts be canceled as they are not mine and I do not want anything to do with them as they are based off of fraud. Years later. Debt collection companies purchased my information and are attempting to collect debt that is based off of fraud. One company is XXXX XXXX and the other is Midland Credit Management. Both junk debt collectors.
Company Response:
State: FL
Zip: 346XX
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 notice of right to dispute
Consumer Complaint: Paid settlement for {$270.00} on XXXX in exchange for account deleted of my XXXX XXXX XXXX XXXX credit report. It is Midland Credit Management policy to delete account off the Credit Reporting Agencies and account has been settled. Account is still in my XXXX, XXXX XXXX XXXX credit report.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Months ago I finally did my homework on what was ruining my credit score. My ex wife used my personal information to apply & used credit cards without my consent. She used her phone number & email address so I couldn't receive notification. If there's no justice in that, why bother being innocent. Even the police don't seem to care. Take initiative that I'm looking for a better future & these criminals need to be hold accountable. Blessings ...
Company Response:
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm not liable for the debt with midland credit management. I do not have a contract with midland credit management. They did not provide me with a original contract concerning this debt. They also have not contacted me via phone call or mail.
Company Response:
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I called Midland Credit Management Inc in XXXX XXXX, phone number XXXX. A representative picked up the phone and asked for the social connected to the account, my fianc provided it and then they went into their disclosure. Once completed they only said the amount of the debt owed, no verification was ever given and so he suggested that it was inaccurate, and the lady said that was not the case and said that they would settle for half the amount, but it was a one time deal only valid on that phone call. He said that the amount was not correct, which the original amount was closer to {$100.00} and they wanted to charge {$480.00}. He asked to speak with a manager and they said that they would check to see if she was available, and came back saying she was on break and was the only manager in the office at the time, and that she couldn't call back as it was only an inbound center. Once we did a bit more digging, we called back and spoke to the manager, XXXX I believe her name was, she was rather hostile in asking what we wanted to do, whether that be accept their settlement or pay the full amount. He asked if it was verified debt and/or reviewed by an attorney for accuracy to which she said it was not. She claimed that they had sent notice of the debt months ago and continued sending letters to an address never associated with her, that being XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, which leads us to believe that the amount they are associating with her being the {$480.00} is someone else 's debt they are attempting to settle with someone else. They also said that they had not charged any late fees or interest to her account, which I found odd. The fact that she was not aware of this original transfer of debt to the collections agency due to this error, they invalidated her ability to dispute the amount within the allotted time frame of 30 days. They were very unprofessional in their behavior and attitude towards us, and did not seem to care that they messed up and said if we feel it wasn't valid that we could get an attorney involved and that we wouldn't be able to settle the debt for anything less than the full amount.
Company Response:
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I would like the wrongful information on my credit report to be removed.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Corpration says they are going to sue me .For a very old debt that isn't mine
Company Response:
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Ive tried calling and reaching out to the companys either no one answers or the manager is busy or the number is not in service.
Company Response:
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed items inaccurate on my credit report. I asked for a signatures, agreements, purchase information such as who authorized, where items were bought, delivered to, picked up from- etc.The companies only provided me with monthly statements. I argued that this is not proof of a debt owed the company said that they verified my name and address so its considered valid. I explained that they are violating FCRA REGULATIONS. They said that they are well within their rights as a creditor/ credit reporting agency
Company Response:
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XXXX, 2022 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 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: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A