Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I never had a contract with this debt collector for any debt. Please provide proof from original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account from my credit profile Midland Credit Management Account # XXXX
Company Response:
State: NJ
Zip: 07080
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX To Whom It May Concern : This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You MIDLAND CREDIT MANAGEMENT You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST MIDLAND CREDIT MANAGEMENT 15 USC 1692c ( 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. I refuse to pay this alleged debt. Cease and desist all collection activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous, and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION Duty : a moral or legal obligation ; a responsibility 15 USC 1681 s-2 Says you MIDLAND CREDIT MANAGEMENT, are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if 60 ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. ACCOUNT # XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have two collections on my credit report. The Original Creditor for both is XXXX XXXX and the two debt collectors are Midland Credit Malmanagement and XXXX XXXX XXXX. I have already filed a complaint against XXXX XXXX and the CFPB forwarded the complaint to XXXX XXXX Regulator and I have received Notification from the Regulator and that XXXX XXXXXXXX was informed of the complaint and directed to respond. This Complaint is against Midland Credit Management. Both Midland and XXXX who are both affiliated companies, Midland Credit Management services accounts for XXXX. Both affiliates are reporting and claiming rights to that debt. However, as i mentioned in the last complaint toward XXXX. There is no XXXX XXXX on any of my credit reports. I have two collections for the same Original Creditor that does not appear in any where on my credit History. not one of the 3 credit Bureaus. In My Last complaint to XXXX, they responded that they own the account, they provided no proof, they didn't say who they purchased it from, simply a take my word for it type of response, they didn't even address, the possibility that there was a possible error between the two affiliates. and to my disbelief, the CFPB closed the case. So that I don't leave room for misinterpretation, I'm going to be Blunt. I believe that the two affiliates who have a Sudden case of amnesia concerning their partnership as well as XXXX XXXX XXXX affiliation, XXXX is the company that responded to the XXXX complaint who is also affiliated, but they are conspiring to collect invalid debt by passing on debt that has been time bared and exceeded the 7 year look back period and when confronted they point a finger at each other in an effort to stall and eventually discourage consumers from challenging the debt further. This will probably be closed as well, after I receive the ( Oh, we own this debt, we are not going to prove to you, but you can trust us response ). and that's ok, I just need Midland to respond and when I receive XXXX XXXX XXXX response, I will take XXXX, XXXX and Midland to Court and let them try giving those weak explanations to a judge.
Company Response:
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I write to dispute the debt listed in the attachment received by me on XX/XX/2023. I need copies of the last 12 month statements plus the entire credit card agreement with any arbitration provisions included in said agreement. You must consider the purported debt as permanently disputed in its entirety which requires credit reporting as disputed under the FCRA and FDCPA unless and until I withdraw my disputes which I will not due.
Company Response:
State: FL
Zip: 32836
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: There was a credit account open on XX/XX/2021 in the amount of XXXX XXXX XXXX which then sold it to Midland credit management. Now Midland Credit management is now suing me for this amount. Both companies never sent me Any kind of letters about the account to dispute it other than Midland credit management sent me a summons Suing me for this account on XX/XX/XXXX XXXXI have no knowledge of this account.
Company Response:
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: During a recent review of the consumer 's credit report, we discovered inaccuracies pertaining to three collections accounts managed by Midland Credit Management. Specifically, between XX/XX/2023, and XX/XX/2023, there were unexplained increases of {$1.00} each in the balances of these accounts, as detailed below : Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$6400.00} New Balance ( as of XX/XX/2023 ) : {$6400.00} Account with Midland Credit Management Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$450.00} New Balance ( as of XX/XX/2023 ) : {$450.00} Account Number : XXXX Previous Balance ( as of XX/XX/2023 ) : {$340.00} New Balance ( as of XX/XX/2023 ) : {$340.00} These discrepancies are not only concerning but also detrimental to the consumer 's creditworthiness and financial standing. It is imperative that these inaccuracies are promptly investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and fairness of the consumer 's credit report. We kindly request the following actions be taken : Conduct a thorough investigation into the reported inaccuracies in the balances of the XXXX collections accounts managed by Midland Credit Management for the specified time frame. Verify the accuracy of the information reported by Midland Credit Management and ensure that any erroneous data is rectified immediately. Remove the incorrect information from the consumer 's credit report to prevent any adverse effects on their creditworthiness and financial standing. Provide a written response outlining the findings of the investigation and the actions taken to resolve this matter. We appreciate your prompt attention to this issue and your dedication to maintaining the integrity of the credit reporting system. Please do not hesitate to contact us at XXXX if you require any further details or documentation to assist in your investigation. Thank you for your assistance in rectifying these inaccuracies and ensuring fair and accurate credit reporting.
Company Response:
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please see the attached letter sent to collection company. Company is in violation of my consumer rights and the laws according to 15 U.S. Code 1681
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have disputed this debt for years. It has now been over 7 years, and has been removed from my credit record. I never owed this debt, and they NEVER sent the legally required debt validation with my signature on any contracts, nor id verification. Nor could they, as I never had business with them. Now, over seven years later, with no legal claim to any debt, they illegally robocall my phone, often 5-6 times in rapid succession, and often more than 30 times per week. It will stop, or i will be suing them. Any continued communication from XXXX or any of its affiliates constitutes harassment. They have no reason to call me, and it WILL stop.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2023 I sent a dispute letter to Midland Credit Management INC, which was received on XX/XX/2023. In the amount of {$5700.00}. I still havent heard back from them yet. However, after further review of my credit report. Midland Credit Management INC, continues to report negative information on my credit report.
Company Response:
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A Lawful Contract has : ( 1 ) offer, ( 2 ) equal consideration, ( 3 ) acceptance by all parties for the contract, and ( 4 ) the signatures by all parties involved with the contract. Only the parties signing the contract can participate in the discussion of the contract : Full disclosure about the contract is imperative. XXXX, Me, XXXX XXXX XXXX, a living Woman, who does NOT have a contract or a " wet ink '' Signature with XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX. Make it also known that Me, First of the family XXXX, a living soul woman, have not seen nor witnessed a " wet ink '' signature contract between XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX. nor have I ever received a True Bill in commerce in regards to the above-reference account.The XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT have attempted to upon levy and / or trespass upon Me, the Living Soul Woman, without due cause. There is NO valid contract, and said XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT have also used my copyrighted, commercial property, the artwork of XXXX XXXX XXXX XXXX without my prior, written consent. The XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX, are obviously trying to do harm to Me, the Living Soul Woman, XXXX XXXX of the family XXXX by XXXX, force of threat, force of contract, payment of fictitious debt, etc. to steal Me, XXXX XXXX XXXX, property at Non-Commercial, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Georgia, and any and/or all possessions of Me, the Living Soul Woman, XXXX XXXX XXXXXXXX. Where there is NO CONTRACT, there is NO CASE ( see Erie Railroad Co. v. Tompkins, 1938 ). If there is any assumed CONTRACT and/or CONTRACTS with any and/or all XXXX XXXX XXXX XXXX XXXX and/or MIDLAND CREDIT MANAGEMENT., XXXX XXXX XXXX XXXX XXXX between Affiant, Me, XXXX XXXX of the family XXXX, a living soul and Woman, I hereby rescind, decline, revoke any my signature on any and all said contracts, and they are hereby NULL and VOID.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A