Date Received: 2023-08-28
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: 335XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I began receiving notices that my wages would be garnished to pay Midland Credit Management ( MCM ) late in XXXX. Starting on XX/XX/XXXX my wages were garnished until XX/XX/XXXX when the total sum of {$1000.00} was garnished from my paychecks. That collections account is still on my credit report and a MCM representative told me that it is my responsibility to contact the court to ask a judge to sign an order of release of the funds to them. This seems unfair to me because : -I didn't think MCM could legally garnish my wages for a collection. It was my understanding that if I didn't pay a collections debt the consequence was a negative impact on my credit, and possibly that if left on there it would fall off my credit report after 7 years -MCM put the process of garnishing my wages through pretty quickly with a court order but suddenly they can't do anything to contact the courts about receiving the money garnished from me. Why is it my responsibility to make sure they get their money?
Company Response:
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have received various calls all days of the week and at different times from Midland Credit Management. Using various numbers : XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX I do not know what this is in reference to, they never leave a voicemail or any other message. If this was in reference to any payment owed to anyone I should have received correspondence of some sort by at least the beginning of XXXX since the first call was placed on XX/XX/XXXX. I checky credit every month and see nothing owed to anyone from this company not have I ever been issued any credit or other monies from this company. I would like this to stop.
Company Response:
State: NY
Zip: 10475
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I do not owe any alleged debt, As a consumer I only I can Validate a debt and I do not. They have yet to provided me with the original copy of the contract in wet ink.
Company Response:
State: CA
Zip: 92240
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I work for XXXX XXXX, and our receptionist just routed me a call from a debt collector named Midland Credit Management. I have no idea who these people are, and am not aware of any collections on my credit report. I am livid that they would have the audacity to contact my employer. When I told them to never call my employer ever again they just deflected so I hung up on them. No debt collector can ever contact my employer, and I would never give any third party company permission to contact me by other means aside from my personal cell phone. This could've gotten me in serious trouble as it would be highly frowned upon if I had debt in collections in my role. Please have them cease and desist all future contact with my employer in perpetuity. Thank you,
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX SHAME on you : CFPB for not protecting my rights as a citizen within the State of Texas. I last contacted CFPB on XXXX regarding my claim, against these fools that keep sending me Harrassment, malicious Letters and Lawsuit, attempts. CFPA~ you failed to protect me from this malicious Company that is trying to collect a debt that is well over 10 years old ; You ( CFPA ) contacted MIDLAND CREDIT MANAGEMENT , LLC Complany, and you proceeded to just close my complaint, when I last filed my last complaint report with you ( CFPA ) back in XXXX, and you proceeded to just ignore my complaint case in XXXX. Here I am on XXXX XXXX reporting this metastizing company ( ( MIDLAND CREDIT MANAGEMENT LLC ) that will not leave me alone, on a debt they purchased back in XXXX, with XXXX XXXX XXXX, the debt is approximately over 10 years ago ; XXXX, please do something for an elderly XXXX yr old woman, that should not be going through this type of harrasment from ( MIDLAND CREDIT MANAGEMENT LLC ) if you would have taken care of this problem back in XXXX, on my last complaint to CFPA, I would not have to be re-submitting another complaint with CFPA. Company : MIDLAND CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX According to the Statue of Limitations in Texas, no debt can be attempted to be collected after 4 years. Also Regulation F came into effect in XX/XX/XXXX. This debt is well over 9 years old, and all three credit bureaus XXXX XXXX XXXX have no history of this debt!
Company Response:
State: TX
Zip: 78552
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Id Theft, I am a travel nurse and these types of things could affect my employment because they do credit checks on us. I started receiving calls from XXXXXXXX XXXX XXXX XXXXXXXX about a debit that did not belong to me. I tried to dispute it and had no success. The account number ending in XXXX in the amount of XXXX which is now sent over to MCM MANAGEMN. They are harassing me about this and this does not belong to me. I have a Identity theft program with my job that is working with me to resolve this issue.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXXXXXX XXXX : XXXX Company does not have a license to collect in my state and they are trying to collect on me
Company Response:
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to complain about three collection accounts that appear on my credit report. The accounts are : Midland Credit Management : {$330.00}, original creditor XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX : {$610.00}, original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX : {$1100.00}, original creditor XXXX XXXX I have never conducted any business with any of these debt collectors, nor have I signed any contract with them. I believe that they are illegally using my information without my consent. I first became aware of these collection accounts when I recently checked my credit report. I have never received any bills or correspondence from any of these debt XXXX, and I have never made any payments to them. I have done some research and I believe that it is illegal for a debt collector to report a debt to a credit reporting agency if the debtor has not been given proper notice of the debt. The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to send a debt validation letter to the debtor within five days of first contacting them. This letter must include the name of the creditor, the amount of the debt, and the date the debt was first incurred. I have not received any debt validation letters from any of these debt collectors. Therefore, I believe that they are illegally reporting these debts to my credit report. I demand that you immediately remove these collection accounts from my credit report. I also demand that you send me debt validation letters for each of these accounts. If you do not comply with my demands, I will be forced to take further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). Thank you for your time and attention to this matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11421
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: On XX/XX/2023 midland credit management Delivered a lawsuit to my mailing address. The lawsuit states that I owe them in the amount of {$1500.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715,719, I presume no of the alleged debt, therefore any debt in fact exists. 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 my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The debt collector has provided proof that that I was never under contract with them and they purchased the debt from the original credit. My signature is not listed on any paperwork or letterhead from myself to midland credit management stating I was pay them for services provided to me. See attached photos showing signatures from The original creditor and Midland credit management. No where is my signature included agreeing to pay any amount
Company Response:
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A