Date Received: 2023-08-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have 4 collection account with the same credit agency midland credit mangement and they keep playing with the credit amount by either saying I paid {$1.00} and then the next month add a dollar back on like it trying to reset the time of debt. Haven't even talked to these people or responded always dispute online and that on woman within and XXXX XXXX account.plus I closed these account when I moved out of town they where to send final bills for the 4 accounts but instead let it stay open and get late fee charges when I personally called and closed these and ask them for detailed last payment /monthly payments amount /and details of items I bought and the recorded phone call since it was recorded everything I called it should show that I closed ghe acount so how are there fees know all these cards don't make since. I been disputing this since the beginning of the year practically ever month
Company Response:
State: MO
Zip: 631XX
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland credit management report that I paid a dollar when in fact they did this to rest time on debt I closed this account and another the same day XXXX XXXX and XXXX are both through same company XXXX XXXX
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: This account is not mine MIDLAND CREDIT MANAGEMENT {$11000.00}
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Management is 3rd party to XXXX XXXX treating to put lies on my property and 8 yes add another one. Tried contacting XXXX XXXX # XXXX no answere several times was given this phone number from Midland Credit Management. The statement shows several different amounts, XX/XX/23 XXXXcurrent balance XXXXXXXX pay off XXXX..original XXXX credit card balance. Only received email today XX/XX/23 from XXXX XXXX XXXX collections with different contact number to collect this debt. I'm disputing this debt due to all this financial harassment abuse toward an elderly woman. Thank You XXXX XXXX MCM Account # XXXX
Company Response:
State: UT
Zip: 84115
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am not liable for this debt with XXXX XXXX XXXX XXXX.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.
Company Response:
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
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: 33012
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Disputed unauthorized accounts being published on my credit reports with Midland Credit Management on XX/XX/2023 and XX/XX/2023. My request for validation of these alleged debts have been intentionally ignored. I requested the following legal documents : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and Midland Credit Management with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA. 6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. As of today, the unauthorized accounts are still being published on my credit reports and I have not received any communication from Midland Credit Management.
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I've received dozens and dozens of calls and voicemails from MCM. I do not owe any debt to any company, now or ever. Many of the messages were garbled and did not say who they were asking for or what they were calling about. In one message they asked for someone named XXXX, so they are calling the wrong number because that's not my name. They leave a callback number XXXX with instructions but when I call them back -- immediately when they call me on the weekends, or during business hours during the week -- I get a recording saying I should call back during business hours. No matter when I call them back to get my phone number off their lists, they do not answer the phone. I've blocked every number they try calling from but they just call from a new number and leave the same message for someone I don't know.
Company Response:
State: CA
Zip: 930XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have two accounts on my credit report from Midland Credit Management attempting to collect debts from two different credit card companies, XXXX XXXX and XXXX which I have no clue if they're actually mine. I read on the CFPB website that I can ask the companies to validate the date and by Federal Law they would have to respond to within 30 days with documentation and answers to my questions to prove the debt belongs to me. I used a template letter from the CFPB website and sent a letter XX/XX/2023 for each debt to Midland Credit Management asking them to validate the debts and respond within 30 Days, I did not get a response. So, after 45 days, I looked at my credit report and they were still reporting the two collection accounts! Then on XX/XX/2023 I sent another letter for each debt to Midland Credit Management asking why they didn't respond and informing them that the Federal Law clearly states they can not report a disputed debt if they can not validate it and included the fines associated with these violations. In the letters I asked them to delete the accounts within 10 days, to only contact me to confirm they deleted the accounts, and to close the accounts on their end. I again waited 45 Days to check my credit report and the accounts were still being reported! So, I decided to send one more letter on XX/XX/2023 letting them know they were in violation of the Federal Law and they've had plenty of time to investigate and get some confirmation or documentation that they could send to prove these debts belong to me. My thoughts are they're stalling and just hoping that I'll go away so they don't have to remove the debts from my credit report and they'll try to collect them at a later date. I told them the accounts MUST BE DELETED and they could not collect the debt, report the debt, or sell the debt which is what I've read is what these companies do. I also let them know that I was going to file a complaint with the CFPB or XXXX XXXX XXXXl or consult with an attorney if they continued to violate my rights! I thought that would get their attention and they would finally comply with the Federal Law and remove the debts from my credit report. However, after another 45 days I checked my credit report and they're still reporting! This is why I'm filing a complaint against Midland Credit Management because they are willfully and purposely violating my rights and the Federal Law by not responding to my requests for validation, not validating the accounts at all, and continuing to report the accounts on my credit report.
Company Response:
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is reporting inaccuracies on my credit report monthly. I have contacted them about this account and their inaccuracies. The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies . By this company reporting immaculate information on my account, this has prevented me from moving forward to purchase a home. This account needs to be removed from my credit report. My credit laws are being violated and I want this account removed immediately.
Company Response:
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A