Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Midland credit MGMTXXXX XXXX XXXX are debt collectors... they buy bad debts... .they have no legal standing to contact, discuss, demand, nor report anything on my credit report. They do not have the original agreement binding their Company and Myself to ANY lawful contract. They are act unlawfully, and fraudulently... posing as the original creditor.
Company Response:
State: OH
Zip: 43613
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: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: I am writing to file a formal complaint against Midland Credit Management for violations of the Fair Credit Reporting Act ( FCRA ) related to inaccuracies in my credit report. These inaccuracies pertain to an account originally owned by XXXX XXXX and subsequently acquired by Midland Credit Management. **Specific Violations : ** * **15 U.S.C. 1681 ( b ) & Section 604 ( a ) ( 2 ) : ** Midland Credit Management furnished my credit information to consumer reporting agencies without my express written consent, infringing upon my right to privacy. * **15 U.S.C. 1681s-2 ( b ) : ** Upon my initial dispute of the reported information, Midland Credit Management failed to conduct a reasonable investigation to verify its accuracy. * **Potential 15 U.S.C. 1666b Violation : ** If the alleged late payment on the XXXX XXXX account was not in fact late, Midland Credit Management 's reporting of it as such may constitute a violation of this provision.
Company Response:
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I did have a XXXX XXXX XXXX Account which I pretty much abandoned due to personal problems. However at the time my credit limit was only {$5000.00} and my balance was somewhere around {$3000.00}. I am disputing the amount of {$13000.00} that is showing on your account because that is not the amount of my debt. I mailed a letter around the end of XXXX. I tried to online chat about the same time and then I called them to file a dispute but I have not heard anything from them since. They bought this debt from XXXX and they placed the collections on my credit report but they are not trying to pursue the correct amount.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management is trying to collect a debt for XXXX XXXX XXXX however I have never and currently do not own this account. I had no no inclination of this account until it appeared as a collection on my credit report.
Company Response:
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. . I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ). 806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was recently incarcerated for getting in a car accident and hurting someone else due to reckless driving. I recently was released from prison and am trying to get my life back on track and I did a credit check to see where I am at and to my dismay I see someone has opened multiple accounts in my name and I have like 40 hard inquires over the course of couple months. I noticed an account opened on XX/XX/XXXX with XXXX XXXX XXXX, On XX/XX/XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Midland Funding LLC XX/XX/XXXX I contacted all of the above and all of the response was that they were attempting collect a debt that is attached to my name and ssn. I am not aware of how any of these accounts were opened and my incarceration is clear public record. It was impossible for me to have opened these accounts at these times and all I am trying to do is get my life back in order and get my kids back with their mother full time after my life has been uprooted with the biggest mistake of my life.
Company Response:
State: WA
Zip: 98087
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Complaint - MIDLAND CREDIT MANAGEMENT attempt to collect a debt not owed. Debt was reported as charged off and now considered a certificate of indebtedness per the IRS. Please see the full dispute along with the codes and laws that were violated below. MIDLAND CREDIT MANAGEMENT is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( MIDLAND CREDIT MANAGEMENT ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( MIDLAND CREDIT MANAGEMENT ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. MIDLAND CREDIT MANAGEMENT can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Canceled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from MIDLAND CREDIT MANAGEMENT for the canceled debt of { { {$2200.00} } } in order to file as ordinary income. Where is my 1099-C MIDLAND CREDIT MANAGEMENT is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! MIDLAND CREDIT MANAGEMENT has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In MIDLAND CREDIT MANAGEMENT terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX and XXXX are not an affiliate of MIDLAND CREDIT MANAGEMENT nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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 ( 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. MIDLAND CREDIT MANAGEMENT must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased account holder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint account holder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure. Complaint - Written notification about debt- Didn't receive notice of right to dispute. Didn't receive enough information to verify debt. I do not have a contract with Midland Funding. They did not provide me with the original contract as I requested. If after reinvestigation under paragraph ( 1 ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. Additionally consumer is requesting any itemized bill and purchase agreement and also original contract with original creditor containing wet signature Re : alleged DEROGATORY ACCOUNTS REPORTED AS COLLECTIONS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING. THESE ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND/OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST {$1000.00} PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR OTHERWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM. THIS IS MY OFFICIAL WRITING COMPLAINT. To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND XXXX DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS-INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX XXXXXXXX field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and/or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance XXXX and or XXXX XXXX XXXX reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. CONSUMER IS ALSO REQUESTING FULL FILE DISCLOSURE UNDER 15 USC 1681g
Company Response:
State: CA
Zip: 90048
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: A company has called my telephone number every day for over a year using different telephone numbers and does not leave a message and hangs up when I answer. The latest call was received today ( XX/XX/XXXX at XXXXXXXX XXXX from telephone number XXXX ). Previous calls were received from other telephone numbers include XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX. An online search indicate the telephone calls are from Midland Credit Management. The search also revealed they are harassing other callers as well. See search results below : XXXX / XXXX XXXX / XXXX avatar XXXX XXXX XX/XX/XXXX It's another ( bleeping ) scammer, who's asking all sorts of real personal questions ( about your wife 's name, about your address, etc ). Ignore this call! Reply! XXXX XXXX XXXX XXXX XX/XX/XXXX Don't know. No message. Other reviewer says scammer. Probably. Caller :?? Reply! XXXX / XXXX XXXX / XXXX XXXX XXXX XX/XX/XXXX This number keeps calling me no voicemail they dont Identify themselves when I answer and keep asking for someone else. Reply! XXXX / XXXX XXXX / XXXX Midland Credit Management Inc | Complaints | XXXX XXXX XXXX XXXX. View customer complaints of Midland Credit Management Inc, XXXX helps resolve disputes with the services or produ... XX/XX/XXXX Complaint Type : Billing/Collection Issues Status : ResolvedMore info Midland Credit has called me repeatedly over the last month from multiple phone numbers. I looked them up online and found that they are a debt collection agency. I don't have any debt, so I have not talked to them. I believe this is a scam. XXXX / XXXX XXXX / XXXX SICK OF SCAMMERS XXXX XX/XX/XXXX Indians have called for several days from this number as well as a few other numbers stating to call mcm ( whatever that is ). Caller : MCM Reply! XXXX - who calls me from XXXX? XXXX - who calls me from XXXX? Scams XXXX XX/XX/XXXX | 2 replies Scammed called for money didn't say what it was about Caller : Scams Call type : Scam suspicion Reply! XXXX XXXX XX/XX/XXXX Got a phone call from this number. The caller left no message.
Company Response:
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: They are calling and harassing me multiple times a day and at inappropriate times. Always calling from a different phone number-if I answer I ask who they are and what company and why they are calling and they refuse to give that information just launch into some script. I want it to stop! I dont even know what this is about and the odd thing is -I just started recently as i have corrected and fixed some inaccurate info on the credit reporting agencies. Please have them cease the harassment! I dont even know what this is for! Vultures!
Company Response:
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/2023, MidLand Credit Mgt called multiple times, then explained to me, next step will be legal action using an attorney.
Company Response:
State: FL
Zip: 32789
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A