Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Misrepresentation has been committed on the consumer credit file of ( XXXX XXXX ) which violates the Fair Debt Collection Practices Act. MIDLAND CREDIT MANAGEMENT is using extortionate means to collect an alleged debt that I do not owe which violates 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent per FDCPA 15 USC 1692g section 809 ( b ). This notice states that your claim is disputed, and validation of the account is required. Provide evidence that you are a license debt collector in my state, chain of title, and a requested copy of your State Department of Commerce and Insurance Certificate. Im also requesting the governing trust instrument, all tax filings and/or interests associated with this account of which I am an alleged party. Please settle the account immediately and cease and desist all communication, Collection and remove the trade line from all consumer reports.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XX/XX/2023 contact debt collector midland credit management with intent to pay full balance. Debt collector stated that they would take off 30 % of full balance. I was assured that it would not affect reporting and it would be a deletion. Asked for a settlement letter as well. I was advised that it would be removed from the account and that they would furnish a letter to confirm agreement. Received settlement letter with amount that was agreed upon. Week of XXXX XX/XX/2023. No validation of payment or payment a letter stating it was paid in full. Call mcm for the receipt of payment and also the fulfilling agreement of deletion. Debt collector also stated that there wasnt a payment. Debt collector told me to shut up and that I keep saying the same thing over and over again. Until I told him I have a copy of cashed check distributed. Which he quickly found. Mcm reported that it was still in collections XXXX XX/XX/2023 and wasnt paid. The debt collector threatened with legal consequences to pay the 30 % off and also that they would continue reporting the accounts as he wish due to me disputing with credit bureaus. I advise debt collector that I was going to make a complaint for false information them reporting open accounts open with owing over {$580.00} for the month of XXXX also, report the threat of legal action and refusal to honor terms of deletion.
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/XXXX i got a bunk bed from some place on credit they sold my debt on XX/XX/XXXX. I have had this removed off my credit report. All of a sudden i got served.
Company Response:
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: sent certified letters to all agencies requesting validation of debt. waited over 30 days and to date no response.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Sir/Madam, I am writing to dispute the duplicate debt collection account associated with account number [ XXXX ] in the amount of {$1800.00} that Midland Credit Management is attempting to collect. Said debt has been reported as a charge off but the original creditor while also posting as a collection to my credit report. I believe this action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 623 ( a ) ( 2 ), a debt can not be reported more than once for the same delinquency. I have identified two separate entries on my credit report from Midland Credit Management ( comenity capital Bank ) for the same debt, which is a clear violation of this provision. I request that you investigate this matter immediately and take corrective actions to remove the duplicate entry from my credit reports. Furthermore, I insist that you provide written confirmation within 30 days that the duplicate entry has been removed, and that you have taken steps to prevent similar violations in the future. Failure to rectify this situation may result in legal action to enforce my rights under the FCRA. I trust that Midland Credit Management will handle this matter promptly and in compliance with the law. Please acknowledge receipt of this dispute letter and provide a timeline for resolution. I appreciate your attention to this matter. Sincerely, XXXX XXXX
Company Response:
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Basically, I have received yet a third " Pre-legal Notification '' from Midland Credit Management a couple of days ago. They have received multiple cease and desist orders in both oral and writing format from me. I had also told them that I do not owe this debt and have never heard of XXXX XXXX XXXX XXXX until I did some research with the CFPB. This is the third time I have contacted the CFPB about this company and it is my confirmed allegation they are committing fraud and from what I have read and researched after my first complaint against them in XXXX of last year, after I received my first pre-legal notification from them, I found they had a class action lawsuit filed against them for trying to collect old and false debts. I had also told them that I am in a financial hardship due to a death in the family and later the pandemic. I would like to put a stop to this finally and get this debt which is not even my debt removed from my record and get them to finally leave me alone. I also notice that the division manager who is in charge of sending me these letters is a XXXX XXXX. I would like this case to go to my state 's attorney general and to the Department of Justice. I want to press charges.
Company Response:
State: IN
Zip: 46360
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS COMPLAINT IS FOR MIDLAND CREDIT MANAGEMENT. THIS COMPANY HAS BOUGHT AND STOLEN MY NONPUBLIC INFORMATION IN THE ATTEMPT TO COLLECT A DEBT THAT HAS BEEN DISPUTED AND REMOVED FROM MY CREDIT REPORT MONTHS AGO. I DONT HAVE AN ACCT # FOR THIS COMPANY BECAUSE I NEVER CONTRACTED WITH THEM OR GAVE CONSENT TO CONTACT ME ON THE MATTER WHICH IS A VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. I ALSO KNOW THAT THIS IS DECEPTIVE CREDIT PRACTICE, DEFAMATION OF CHARACTER, EXTORTION, AGGRAVATED FRAUD AND THEFT. I HAVE FILED A FTC REPORT AND IM GIVING MIDLAND CREDIT MANAGEMENT 4 DAYS TO REMOVE ALL FRAUDULENT ACCOUNTS FORM MY CREDIT REPORT. THIS IS A NOTICE TO CEASE AND DESIST. MIDLAND CREDIT MANAGEMENT BUYING DEBT AND ATTEMPTING TO COLLECT ON IT IS A VIOLATION OF FDCPA AND IF NOT CORRECTED I WILL BE AGGRESSIVELY SEEKING JUSTICE AND FILING FEDERAL SUIT FOR EVERY VIOLATION APPLICABLE FOR VIOLATING MY CONSUMER AND PRIVATE RIGHTS.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have multiple dings on my credit as collections that are not mines.
Company Response:
State: OH
Zip: 45212
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After reviewing my credit report, i noticed discrepancies listed under the following names ; XXXX Collections XXXX and XXXX XXXX XXXX. These account i do not recognize and were asked to be validated properly, which wasn't. They are still reflecting on all XXXX credit report and is still negatively affecting me. I do not believe the account belongs to me or the collection company has authorization to atempt to collect on the account. Please strike and remove these collections from all XXXX credit bureaus. 15 USC 168 section 604 ; StaXXXX right to consumers privacy- reporting agency can not furnish an account without MY written consent
Company Response:
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A