Date Received: 2023-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company, MIDLAND CREDIT MANAGEMENT, purchased a debt from another company and I had no involvement with the transaction according to 15 USC 3002 I am an natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, XXXXXXXX XXXX XXXX XXXX are assumed to be credit bureaus and their is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a
Company Response:
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Mi, XXXX Email Address : XXXX Phone Number XXXX Date XXXX Midland Credit Management , Inc . Attn : Consumer Support Services XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX And XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Dispute of Account Information on Credit Report Dear Sir/Madam , I am writing to dispute an account that has been reported on my credit report. The account is under the name of XXXX XXXX and is affiliated with your organization, Midland Credit. I am formally asserting that this account is not mine, and I do not hold any responsibility or knowledge regarding its existence. The disputed account has been listed on my credit report, and I believe this is a grave error that needs immediate rectification. As per my rights under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate and verify the accuracy of this information promptly. The specific account information is as follows : Account Name : XXXX XXXX Account Number : [ XXXX ] U/N Reported By : Midland Credit/ closed by XXXX XXXX Please XXXXovide me with the documentation that your company has, which associates me with this account, or remove this account from any credit reporting agency if such documentation does not exist. As per the Fair Credit Reporting Act, you are required to promptly correct or delete any inaccurate, incomplete, or unverifiable information. If you find that this account indeed does not belong to me, I request that you contact all of the credit reporting agencies to which you have reported this account and inform them of your findings to ensure this error is rectified across all my reports. Please send me a written confirmation once this issue has been resolved. I look forward to your prompt attention to this serious matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX please update any information you may have wrongful provided to cc : XXXX, XXXX, XXXX Im my behalf to correct this error Also
Company Response:
State: MI
Zip: 48221
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM VICTIM OF IDENTITY THEFT. MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD HAS BEEN COMPROMISED MULTIPLE TIMES AND THESE ACCOUNTS ARE THE RESULT OF THIS IDENTITY THEFT AND FRAUDULENT ACCOUNTS. I RECENTLY PULLED MY XXXX, XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX, XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Company Response:
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Requesting to deletetion to my credit report thanks
Company Response:
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Calling/Coming to my home day and night pretending to be a court officer also. taking pictures of my home
Company Response:
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This account and inquiry are not mine they was made without my permission, consent. Inquiry and account XXXXXXXX XXXX XXXXXXXX Account Opened : XX/XX/ is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 XXXX which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: It's been many disputes I've made on this account for Midland credit management through XXXX XXXX and XXXX and for some reason it's always been updated I believe that inaccurate information should be deleted off your credit report also I believe XXXX XXXX and XXXX should be fined .for letting inaccurate information exist. When i do send a dispute to XXXX and Midland credit the only thing Midland credit does is change my balance up a dollar or down a dollar and put it back as updated and it just makes my credit score go down they've been changing the amount I owe for years and it just goes back to XXXX XXXX and XXXX as updated. I have proof that they done this at least XXXX times just change my balance from up a dollar down a dollar. On a balance that can't be changed.
Company Response:
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Noticed three items on credit report for Midland Credit Management- I have never opened an account with Midland Credit Management, that they are saying I opened these account XX/XX/2022, XX/XX/2022 and XX/XX/2022. Did try disputing with credit bureaus - no luck.
Company Response:
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management are trying to collect a debt of {$6100.00} that I didn't do or have acknowledgment of until it showed up on my credit report about almost a year ago and I have been trying to get it off ever since. I think I am a victim of identity theft
Company Response:
State: MN
Zip: 55117
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is a formal complaint that you are reporting inaccurate incomplete Credit information. According to the fair credit reporting act section 609A1A who are required by law to verify through physical verification of the original signed contract any and all accounts that you post on my credit report otherwise anyone that is paying you for your debt probably fraudulent. I demand to see verified proof. If you fail the validate removed from my account immediately.
Company Response:
State: PA
Zip: 19122
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A