Date Received: 2023-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: ou provided a third party ( person ) with my personal and private information. According to 15 U.S. Code 6801, your establishment is to protect my privacy and not share any of my information with any third party ( person ). I was not provided with the necessary documentation you needed to provide to me to sign to grant your establishment to share my information with any third party ( person ). Those documents require three signatures from me, to grant your establishment to share my private and personal information with any third party ( person ).
Company Response:
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company is reporting two accounts on my consumer reports. I have never received any information as to what these alleged debts are for. I have never done business with or ever spoken to them about any accounts. I have never received any information about these alleged debts. I have tried to dispute these accounts, yet they come back " verified '' without sending me any information as to how they " verified '' these debts. This inaccurate information on my consumer reports is causing financial damage to me and my family.
Company Response:
State: MI
Zip: 49424
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX I received paper work the court saying that I got served. The lawsuit is from a Midland Credit Management Company saying that they are suited me for the amout of {$8800.00}. According to them some goods being purchased from the retailer with the rental - purchased agreemet on XX/XX/XXXX. The lease company ( lessor ) XXXX XXXX XXXX. This was a fraud under my name and somebody used a old previous address that I used lived back XXXX
Company Response:
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This Debt has been false reporting on my credit report. This collection of debt I do not owe to this collector. This debt states a credit card with XXXX XXXX and also it states the address in connection with this card I have never lived there in my life. This debt collector has been asked to prove this contract agreement which i signed with them. Silence has proven i owe no debt at all. They are my credit report causing damage. As you can see I have a 98 percent payment history. Other then student loan which are in good standing, i have no other debts. MIDLAND CREDIT does not have my permission to pursue any debts that i do not owe with me. They have been removed before and yet placed again on my report it must STOP.
Company Response:
State: IN
Zip: 46226
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Midland Credit Management said they are able to report to my consumer report because they mailed me something and it did not come back undeliverable. Congress states I must receive documents from a debt collector via certified mail in order to know that it was received and I acquiesce to the allegations. Midland credit management is in violation of 15 usc 1692 ( c ) b b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. Midland Credit Management never had prior consent given directly to them by me to communicate with anyone other than me regarding this alleged debt.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to file a formal complaint against Midland Credit Management regarding their failure to respond adequately to my validation request, which I submitted in accordance with the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2023, I sent a letter to Midland Credit Management via certified mail, requesting validation of the alleged debt they claim I owe, as well as specific information related to the debt. In my letter, I clearly outlined my requests in accordance with the FDCPA, including : 1. Clarification of the nature of the debt. 2. Detailed calculations leading to the stated amount. 3. Copies of documents demonstrating my agreement to the debt. 4. Verification or a copy of any relevant judgment, if applicable. 5. Identification of the original creditor. 6. Proof that the Statute of Limitations has not expired. 7. Confirmation of their authorization to conduct collections in my state. 8. Their license numbers and details of their Registered Agent or Agent of Service. Despite sending this letter via certified mail, I have not received any response that fulfills these requirements. Instead, I have only received an invoice or bill from the original creditor, which does not address the specific information I requested as per the FDCPA. This lack of response has left me concerned about the accuracy and validity of the debt in question and has impacted my credit report negatively. I believe this non-compliance with the FDCPA and the failure to provide proper validation is a violation of my rights as a consumer. I kindly request that the CFPB investigate this matter and take appropriate action against Midland Credit Management for their failure to respond to my valid and lawful request for debt validation. I am also requesting that Midland Credit Management be held accountable for any potential violations of the Fair Debt Collection Practices Act and any other applicable consumer protection laws. The amount of debt they claim was {$7100.00} which is reported differently at XXXX, XXXX and XXXX as {$7100.00} I appreciate your prompt attention to this matter and your assistance in resolving this issue. Please do not hesitate to contact me should you require any further information.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I sent them a complaint on XX/XX/23 requesting all the original documents I signed to permit them to report my personal information to a 3rd party. They refused to send me the requested information. I am requesting the 3 signed documents, I need to sign to give them permission to share my personal information. They can reference the U.S. Code 1681 ( A ) ( 2 ). If they obtain my personal information without my consent, they can reference U.S. Code 1028 ( A ). I am requesting all signed documents that I signed to an agency to provide you with my personal information. It is your agency to provide the burden of proof. If you can not provide the burden of proof, under consumer laws you must remove any information you reported to any consumer reports immediately. This company stated I have to show them the burden of proof they obtained my personal information illegally. I am requesting all signed original documents that are attached with my name on them
Company Response:
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I mailed Midland Credit Management several letters asking for a true bill of commerce and a wet signature stating we are in business agreement to no avail. They are attempting to collect a debt not owned by their entity and unlawfully so by manners of legalese which are trumped by law codes via the U.S.C. I have to permit them to furnish an account which why they constantly mail me threats of litigation in hopes that I do not respond. My rights are being violated and the credit card company has venued my credit from the treasury to furnish an account and with draw funds and then issue them back to me in debt notes. This being the reason for the national debt, confiscating all gold and their way of avoiding bankrupting the U.S. for the 4th time. The government has an obligation to pay all debts under Public Law 73-10/HJR192 of 1933 as proof to back up my statements. 15 U.S. C 1681 section 602 a. States I have the right to privacy 15 U.S. C 1681 Section 604 a. Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions 15 U.S. Code 1692c Communication in connection with debt collectors ( c ) ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except 1 to advise the consumer that the debt collectors further efforts are being terminated ; 2 to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or XXXX where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. IF SUCH NOTICE FROM THE CONSUMER IS MADE BY MAIL, NOTIFICATION SHALL BE COMPLETE UPON RECEIPT.
Company Response:
State: MI
Zip: 49444
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The third-party debt collector Midland Credit Management is unlawfully in possession of my private non-public information and sharing it with other 3rd party companies without my consent, which is identity theft as defined by 15 USC 1681a ( q ) ( 3 ). I do not know XXXX XXXX, XXXX, and have not contracted with them in any way. They should not have possession of my private non-public information. They also shouldn't be sharing it unlawfully.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A