Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I do not owe this debt please remove this collection
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Sent out a validation letter on XX/XX/. Never received a response. They sent another letter out XX/XX/ for me to accept and offer.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland credit management has a collection on my account in the amount of {$890.00} last reported XXXX XXXX and another collection in the amount of {$760.00} last reported XXXX XXXX. That account was sold by XXXX XXXX XXXX and they harass me daily and nightly from different numbers even after my number has been changed. I am not responsible for the accounts and I wish they would stop harassing me and sending letters. They refuse to remove it even after selling my information. I am not responsible for these debts and I have disputed them with no resolution. These companies continue to harass me and I dont know what else to do they are ruining my credit report and stopping me from moving forward with my life due to messing up my credit scores.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection agency is trying to collect on a debt that is not mine. I've asked for documents verifying that in fact this is mine and they have not given me the documents I asked for. I have disputed this with the credit bureaus multiple times but the account still remains on my credit reports.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent 2 separate VALIDATION of debt request, and the company failed to provide the documents I requested. I requested documents in writing with specific instructions, which the company refuses to produce. The company can also not validate the consumers DOB or SS #. I have asked for information which the company must not have and can not provide. If the company does have this information, and can provide it they have refused. I am asking the CFPB to interject here and force the company to produce the documents, validate my ( the consumers ) DOB, SS #, and provide any instrument which clearly shows the consumers signature. I am also asking the company provide COMPETENT proof of the debt in question. In addition I am asking for legal proof the company has the right to collect this debt.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland credit management took legal action by summons. I had to go to court. I received no letter from original creditors to dispute. I knew nothing of this debt. Until I was served a summons to which I had to appear in court to dispute. Upon asking midland credit management about not receiving any prior notice of original creditors they responded they dont have to provide a letter from original creditor to dispute
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Debt collection company keeps calling me about a contract that does not exist between myself and them. Want debt removed from credit report and calls to stop. These people are not the original holder in do course. That debt was charged off via their records.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 a 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
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
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: 326XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is the 4th time I have to dispute the same bedt collection the XXXX XXXX XXXX sent me a letter stating they were about to delete this account debt collection cause I doesn't belong to me and the debt collector keeps putting this account under my personal credit score affecting my insuramce policy went from XXXX to XXXX dollars due to this matter MidLand Credit Management and XXXX XXXX XXXX are refusing to give me any explanation why there are two accounts under my name making this a complete mess to begin with. Once again this is the 4th time I have to keep disputing this once it gets deleted it comes back after 4 to 6 months violating my rights
Company Response:
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A