Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I repeatedly sent letters asking to settle to the debt in 4 payments and requesting to negotiate with the company since they initially ignored my 1st few verification notices. Instead of negotiating with me and working to settle this debt, they've repeatedly re-sent me " Debt verification '' letters when I've attempted to communicate about settling the debt.
Company Response:
State: MS
Zip: 39564
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed disputes with the credit bureaus
Company Response:
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Midland Credit Management ( MCM ) contacted someone who lives in my house and asked if they were my spouse in an attempt to collect payment. I am not married nor have I ever been married. MCM shared with them information about my payments, total debt owed, among other information and tried to get this other person to make a payment on my debt.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Credit Report says balance of {$600.00} ; I disputed this and recieved no information from this collections agency about this debt
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XXXX I made a purchase at XXXX XXXX, this was the only purchase made by me. I later went to XXXX and lost my wallet, all of my cash and cards were gone. I reported I lost my card to XXXX XXXX and they sent out a new one which I never received. I continued my payments forgetting about the card since I only intended to make one purchase with this card. I called XXXX XXXX after receiving a paper statement notifying them of this fraud and not receiving my card after losing my old one. They told me they would mark this card as fraudulent and would fill out a report. They did not follow up. I called again asking about this matter and they said they saw the fraud report and had no further information. There was no follow up. I called a few more times and the person said they didn't see anything in the system. Now this account is with Midland Credit Management and they want me to pay more than what I originally owed. They were threatening on the phone and sounded like I was being scammed for a large amount of money. I explained I wouldn't pay more than what I specifically purchased which was that TV.
Company Response:
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Sent certified letter XXXX days ago requesting validation of debt with no response.
Company Response:
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I WAS A VICTIM OF THE XXXX DATA BREACH AND HAVE MULTIPLE ACCOUNTS THAT WERE FRAUDELANTLY OPENED IN MY NAME. THESE CREDIT CARD ACCOUNTS EVENTUALLY WENT INTO COLLECTIONS WITH MIDLAND CREDIT AND ARE AFFECTING MY CREDIT REPORT. I ALSO HAD RECENT INQUIRIES TO DIFFERENT MORTGAGE COMPANIES AS WELL ALL DUE TO THE XXXX DATA BREACH. I HAVE WRITTEN SEVERAL LETTERS TO THE THREE CREDIT BUREAUS ASKING THAT THEY REMOVE SAID ACCOUNTS AND INQUIRIES WITH NO RESPONSE.
Company Response:
State: TX
Zip: 77061
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management Inc is attempting to collect a debt that has not been verified. Creditor is requested to cease all collection effort and return to " alleged creditor '' or furnish to consumer all personal information used to establish account. per title 15 failing to validate the accuracy of information has not been established in addition I have never had a legal binding contract with with Midland Credit Management Inc or XXXX XXXX XXXX the request to furnish evidence that I do, has not been honored or produce. yet has a frivolous civil suit in XXXX XXXX XXXX XXXX to collect on a debt that does not belong to me. 15 U, S code 1681- " It is the purpose of this subchapter that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit with regard to the confidentiality, ACCURACY, relevancy and proper utilization of such information in accordance with the requirements of this subchapter ''
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies, XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Furnisher of information to credit agencies never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 USC 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I, the consumer, have sent in multiple letters to the consumer reporting agencies stating information on my consumer report is inaccurate. 15 USC 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX do not maintain reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 15 USC 1681a ( 2 ) states Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Reporting transactions history is illegal. The Privacy Act of 1974, 5 USC 552a definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph. This includes consumer reports. ( b ) Conditions of Disclosure. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again, they need prior written instruction of the individual to whom it relates.
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I'm a victim of identity theft, the information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identify theft. The company Midland Credit Management is suing me for a for the amount of {$680.00} from a credit card company XXXX XXXX Bank. The account was open on XX/XX/XXXX, and the account open also has an address that I have never live at as the my home address. I received the letter from small claims court of XXXX XXXX on XX/XX/XXXX and I denied, and filled the claim on XX/XX/XXXX. I also plan to file a police report to deny the claim and contact XXXX, XXXX and XXXX.
Company Response:
State: AL
Zip: 36801
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A