Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Subject : Complaint Regarding Midland Credit Management - Violations of Credit Laws Dear CFPB, I am filing a formal complaint against Midland Credit Management concerning the information they have reported on my credit report. The account details are as follows : Creditor : Midland Credit Management Account Number : XXXX Original Creditor : XXXX XXXX XXXX NA Account Status : Open Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$610.00} I dispute the accuracy of the information being reported by Midland Credit Management due to the following violations of credit laws : 1. Violation of Fair Credit Reporting Act ( FCRA ) Section 1681c ( a ) ( 1 ) : The account is listed as " Open, '' which is incorrect. Per my records, this account was closed, and it should not be reported as open. The inaccurate account status is a violation of FCRA 's requirement to provide accurate and up-to-date information on credit reports. 2. Violation of FCRA Section 1681c ( a ) ( 5 ) : The reported opening date of XX/XX/XXXX, is inaccurate. I have records that show the account was opened on a different date, which should be reflected accurately on my credit report. This discrepancy violates FCRA 's requirement to report correct information regarding account opening dates. 3. Violation of FCRA Section 1681e ( b ) : I have never been late on payments for this account. The report 's indication of delinquency or late payments is erroneous and violates FCRA 's requirement to ensure the accuracy of the information reported on credit reports. 4. Violation of FCRA Section 1681i ( a ) : I have disputed this account twice, and it has been verified as accurate by Midland Credit Management without providing any evidence from the original creditor, XXXX XXXX XXXX XXXX This failure to conduct a proper investigation violates FCRA 's requirement to investigate disputes and verify the accuracy of reported information. As per the violations listed above, I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter to ensure that Midland Credit Management complies with the Fair Credit Reporting Act ( FCRA ). I demand that the following actions be taken : 1. Verification of Debt : Provide a complete breakdown of the debt, including the original agreement, itemized statements of all charges, and payment history. 2. Correction of Account Status : Update my credit report to show the accurate account status, indicating that the account is closed. 3. Correction of Opening Date : Ensure that the reported opening date is accurately reflected on my credit report. 4. Removal of Late Payment Indication : Remove any indication of late payments or delinquencies, as I maintain that I have not been late on payments for this account. 5. Proper Investigation : Conduct a comprehensive investigation into my dispute, including obtaining evidence from the original creditor, XXXX XXXX XXXX XXXX, to verify the accuracy of the reported information. Failure to provide the requested documentation and resolve the inaccuracies on my credit report will be considered a continued violation of my consumer rights under the FCRA. Please ensure that my credit report is updated with the correct and accurate information or remove any erroneous data related to this account. I expect a prompt response to this complaint and a thorough investigation into the matter. Please provide a written response once the investigation is complete and the necessary updates have been made to my credit report. Thank you for your attention to this matter. I anticipate a resolution that upholds the accuracy and integrity of my credit report, in accordance with the Fair Credit Reporting Act. Sincerely, XXXX XXXX
Company Response:
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This notice is to inform you that you have unlawfully reported an alleged debt and are severely hurting my credit. Under the New Rule REGULATION F which took effect XXXX, You { MIDLAND CREDIT MANAGEMENT INC } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. The dollar amount is being added and removed from my balance every few days. XXXX XXXX Midland collections increased by {$2.00} from {$1400.00} to {$1400.00} XXXX XXXX Midland collections account increased by {$3.00} from {$1400.00} to {$1400.00} XXXX XXXX Midland collections account decreased by {$1.00} from {$1400.00} to {$1400.00} XXXX XXXX Midland collections account increased by {$1.00} from {$1400.00} to {$1400.00} XXXX XXXX Midland collections account increased by {$1.00} {$1400.00} to {$1400.00} XXXX XXXX Midland collections account increased by {$2.00} from {$1400.00} to {$1500.00} XXXX XXXX Midland collections account increased by {$4.00} from {$1500.00} to {$1500.00} XXXX XXXX Midland collections account decreased by {$1.00} {$1500.00} to {$1500.00} XXXX XXXX Midland collections account increased by {$2.00} from {$1500.00} to {$1500.00} XXXX XXXX Midland collections account increased by {$2.00} from {$1500.00} to {$1500.00} XXXX XXXX Midland collections account reported as closed XXXX XXXX Midland collections account increased by {$1.00} from {$1500.00} to {$1500.00} This goes on and on but here are the most recent. This is absolutely a violation of my rights and illegal reporting The date of last activity is continuously changing going out of your way to hurt my credit. This has caused my score to go down over XXXX points. 15 USC 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my credit and has caused us to be turned down for mortgage, loans, etc. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { MIDLAND CREDIT MANAGEMENT INC } are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( 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. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. MIDLAND CREDIT MANAGEMENT INC XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking { {$1000.00} } per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to express my serious concern and dissatisfaction regarding the continued communication from Midland Credit Management despite my explicit request for cessation of communication as per 15 U.S. Code 1692c. Pursuant to this federal statute, I exercised my right to cease communication in connection with the debt that you are attempting to collect. Under 15 U.S. Code 1692c - Communication in connection with debt collection, it is clearly stated that if a consumer notifies a debt collector in writing that they refuse to pay a debt or wish for the debt collector to cease further communication, the debt collector must comply with this request and refrain from any further communication regarding the debt. This includes any form of communication, whether direct or indirect, through any medium. I previously filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Midland Credit Management 's practices. In response to that complaint, I was informed that Midland Credit Management claimed they would cease and desist communication. However, it has come to my attention that despite this claim, I am still receiving communications from your company, which is a direct violation of the statute mentioned above. It is essential to note that the term " communication '' encompasses the conveying of information regarding a debt through any medium. My consumer reports, which your company is using to report information, are also a medium of communication. By failing to cease communication through all mediums, including but not limited to consumer reports, Midland Credit Management is violating the Fair Credit Reporting Act ( FCRA ) and my rights as a consumer. I want to bring to your attention that I am aware of my rights as a consumer, and I am fully prepared to take appropriate legal action to protect those rights. Under the FCRA, I am entitled to accurate and fair credit reporting. If every account that your company is reporting on me is not removed immediately, I will have no choice but to pursue legal action for the violations outlined in this letter. Please be advised that I can seek damages of {$1000.00} per violation, which could result in substantial financial consequences for your company. I expect this matter to be rectified promptly. I request that you cease all communication through any medium, including consumer reports, and remove any accounts associated with my name from your reporting immediately. I also request written confirmation of the cessation of communication and the removal of accounts. Your immediate attention to this matter is crucial, as further violations will result in legal action. I hope we can resolve this matter amicably and avoid unnecessary legal proceedings. Thank you for your prompt attention.
Company Response:
State: VA
Zip: 23236
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The problem is I want to pay with the debit card and not my bank account.they keep harassing me in a clandestine way and I just hang up. I will pay the money, thats not a problem but harassing me in a clandestine way is not doing make the issue better. Its getting worse.
Company Response:
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
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: This account is way too old to still be on my credit record. No information was supplied to me in line with the law. The company still has not removed this from my credit record.
Company Response:
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX and Midland Credit are reporting fraud accounts on my credit Please note the attached FTC report and my Driver license and remove these accounts from my credit due to fraud.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under XXXX Outsourcing and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/XXXX there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do i believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me.Please strike and remove this account from all 3 credit bureaus until adequate validation has ben received proving that the account belongs to me and all information is correct.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The midland credit management company is in violation of the law. Under the 15 U.S. Code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my account or my consumer report. Further more the FCRA 15 U.S. Code 1681a - Definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT. So therefore my private information has been shared to a company who I have no contract with. DELETE AND REMOVE this incorrect data from my credit report now.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: They garnished me for XXXX without sending me any proof of debt. They never got back in touch with me when I called about it and they didn't respond to a complaint I filed with XXXX XXXX XXXX
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am a senior citizen XXXX years old and retired with no income only received from social security, and can not pay the debt of over XXXX XXXX dollars.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A