Date Received: 2023-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Send debt validation letter to midland debt company over year ago havent received nothing Robo calls all day from this company 5 days a week harassing letters to my address this company is practicing illegal tactics under fair, credit act I want to take legal action for harassment
Company Response:
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: ON XXXX i asked XXXX to provide me with proof of the original contract or original purchase contract, proof they are legally bonded to collect in the state of Arkansas, any interest or fees accrued, or have been added, full accounting history with the original creditor, proof that they sent the required legal notices to me before reporting to the consumer reporting agencies, proof of ownership of the alleged debt and include proof of assignment for each change of assignment. I received no response.
Company Response:
State: AR
Zip: 72120
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have tried to contact this company 8 times. Last was tonight. Even tried the number they gave and no one ever answered. Ive tried to settle this debt more than once with no luck.
Company Response:
State: NV
Zip: 89801
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Noticed some accounts on my report that were not authorized. Reached out to creditors but no luck, please help.
Company Response:
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I sent a debt validation letter in XX/XX/2023 I'm going to attach the first page and then they sent me a bill I attached the first page of the letter I sent it certified mail
Company Response:
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management is in violation of 15 usc 1692c. They have also threatened to damage my credit in their communication when they say some sort of mail was mailed to me. If I do not sign for any documents sent to me then they are considered undelivered. If I received the letter you sent provide a green return receipt with proving I RECEIVED anything from you stating that I could opt out of your damaging my credit or something proving I owe this debt.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: There was an XXXX XXXX XXXX credit card opened in my name. That I did not open. It was in the past and there was a balance of over {$5000.00} dollars I didnt k ow about. It went into collections and there was a judgement passed and my assets are being frozen. Tried to dispute it in the past. I do not have any proof because it has been so long many many years. I dont know what else to do to resolve this matter. If theres any way some one can contact me thatll be great and I will be greatly appreciative. Thanks.
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive tried disputing the debts because the debts are not mines. They are coming back as verified when I also have an identity theft on all 3 of my credit bureaus. I have tried explaining that it is not mines but they always tell me to contact the other people that reported the debts.
Company Response:
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XXXX, 2022 I have sent to MIDLAND CREDIT MANAGEMENT, 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: 33175
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Threatened by locator service named XXXX XXXX ( blocked caller id ) saying I was going to be served! The debt was originally with wise loans and is now being handled by Atlantic Collection Agency XXXX ( XXXX ) XXXX who used some threatening locator service to constantly call me and my family members threatening to serve me with documents. They call from a non caller id so you cant return their calls. This was an old loan that I know was paid in full and they refuse to show me documentation showing otherwise.
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A