Date Received: 2023-09-16
Issue: Electronic communications
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: XXXX XXXX sold my private information to this third part collection agency. This company emails me frequently through out the day and the use very harsh language with me.
Company Response:
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I have been receiving wage garnishments for a debt that I have no knowledge of dated back on XX/XX/2000. The courts have ruled that this be disposed of, and the company Midland Credit Management ( MCM ) is constantly resubmitting the file to my employers without notifying me of anything prior to taking my funds. This is causing me a major hardship as I have had this disposed because I am a victim of identity theft which I have explicitly stated. The current judgement balance is {$6400.00}. This total includes interest and cost fees as stated in the letter. An identity theft affidavit has already been established with the IRS due to someone filing taxes in my name previously and it has been resolved.
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt isnt mine this is result of identity theft and I demand it be removed!
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have spoke with midland credit management and sent in 1099 c 's that their company has accepted and sent back to me via mail. The accounts are still showing although the debt is discharged. Also in my last complaint I had used my right as a citizen to opt out of their reporting services citing many laws proving my right to do so. The company came back with GLBA and how it entitles them to report my non public information. According to GLBA, as attached in the documents, you are still violating my rights and this instance does not fall within the GLBA guidelines as an exception. Remove this account immediately and pay the {$1000.00} per violation I requested last time for each time this has been reported.
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Im at just now receiving information from my employer about garnishment of wage for a debt I never had. I have never received any documentation in mail for any type of debt. Im disputing this claim because I have no knowledge of said debt being collected or created. If I have received any type of documentation in mail I would have disputed it as soon as found out. Im just now learning that someone has created an account under my name and stole my identity and created this debt. I am not the person who submitted any type of debt for this account. My identity has been stolen and someone have made fraudulent charges using my name and account. I want these charges dropped and account closed because they are trying to take money from me about a claim Ive never had knowledge of until now. Again this is the first Im hearing about any charges, only due to my employer sending me the case files and claims. Ive never received any information in mail, and want to dispute these claims and have them taken off my records. The only record I have is what my employer sent and its from Midland Credit Management for the amount of {$8500.00}. Apparently there was a case on XX/XX/2023 and I have absolutely no knowledge of it. Im just now hearing because of my employer. The address and company on claim Ive never heard of or resided at.
Company Response:
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account Name Your report says XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX XX/XX/XXXX Midland Credit Management I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX owe $ XXXX off XX/XX/XXXX Dept of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX I owe $ XXXX off XX/XX/XXXX There is also an unemployment claim taken out in my name in XX/XX/XXXX. I have been consistently working at my job since XX/XX/XXXX 9 years.
Company Response:
State: PA
Zip: 19027
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: MIDLAND CREDIT MANAGEMENT has continued to use unfair debt collection practices. I have proof that you purchased my personal and private information from XXXX XXXX. You have assumed responsibility for this alleged debt. I am requesting documentary evidence pursuant to 15 usc 44. I need my XXXX a document crucial for the Cancellation of Debt for this charged-off/collection account. It is imperative to recognize that under the law, creditors are legally obliged to provide IRS XXXX XXXX when canceling a debt. This form plays an essential role in tax reporting, enabling individuals to accurately report and comprehend the tax implications of debt cancellation. The absence of this form in my case constitutes a severe violation of federal tax regulations. One of the most troubling violations pertains to the deceptive nature of the letters I have received from MIDLAND CREDIT MANAGEMENT. These letters were sent with logos prominently displayed on the outside of the envelopes, a practice that clearly contravenes established debt collection regulations 15 usc 1692b ( 5 ). Furthermore, the content of these letters contained threatening and obscene language, which is both unlawful and wholly unacceptable. Your company has continued to threaten me with legal action on an alleged debt. I I have meticulously documented these violations and am fully prepared to provide evidence in arbitration proceedings. Failure to comply with these demands within the specified timeframe of 14 days will leave me with no choice but to take official action by filing IRS Form XXXX : Information Referral and IRS Form XXXX : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter. This letter serves as my final attempt at resolution before initiating arbitration proceedings.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a XXXX XXXXXXXX credit card and I opt in a program that if finical hardship happens that they will quit charging you and work with you to pay debt off that you have but they keep on charging me for late fees and payments they tried to take out my account that were reversed. And my credit was already hurt from them and I just got it back up and now the Midland debt collection company just added the same account back to my credit report and dropped me down to a whole different rating from fair to poor and I told XXXX XXXXXXXX multiple times that I opted in their program and after the balance reached the current amount did they stop charging me
Company Response:
State: MS
Zip: 390XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Opened XXXX XXXX MIDLAND CREDIT MANAG {$620.00} My personal information was sold to this company and that is a violation to my FBRA rights
Company Response:
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I contacted each company and requested under USAC 1681c2 to stop sharing my information due to identify their. I never had an account with any of these company nor did I authorize my credit to be pull and used. I kindly ask for items to be removed due to information mismanagement I filed a report with FTC already along with credit companies.
Company Response:
State: CA
Zip: 90008
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A