Date Received: 2023-08-01
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: 33624
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXXXXXX XXXX {$1400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$560.00} POSTED XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX MIDLAND CREDIT MANAGEM {$380.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX. / MIDLAND CREDIT MANAGEM {$850.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX MIDLAND CREDIT MANAGEM {$2400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$570.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX XXXX {$400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Company Response:
State: FL
Zip: 33064
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX FL XXXX XXXX : Identity Theft Victim To whom it may concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED XXXX XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX-XXXX POSTED ON XX/XX/XXXX, XX/XX/XXXX XXXX POSTED ON XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXX XXXX XXXX XXXX POSTED ON XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX POSTED ON XX/XX/XXXX XXXX XXXX ON XX/XX/XXXXXXXX XXXX
Company Response:
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Pursuant to the Fair Credit Reporting Act 15 USC 1681 XXXX XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to ensure my private information isnt shared in accordance with 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Midland Credit Management Inc., are financial institutions as defined in title 15 USC 1681. Titel 15 USC 1681 section 604 subsection 2 states In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Midland Credit Management XXXXnc., the financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, Midland Credit Management Inc., whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless -- - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Midland Credit Management Inc., failed to inform me of my right to exercise my nondisclosure option. 15 USC 1681c ( a ) ( 5 ) states Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is unlawful. 15 USC 1681s-2 ( A ) ( 1 ) states 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. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of title 15 and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states A consumer may exercise the right to opt out at any time. I am opting out of your reporting services. Midland Credit Management Inc., has also engaged in identity fraud. Midland Credit Management Inc., used my social security number to report private information to the consumer reporting agencies, which is also a violation of the Privacy Act of 1974. Each month that Midland Credit Management Inc., reported my private information without consent is a violation of the Fair Credit Reporting act. Midland Credit Management Inc., has reported my private information without consent for 28 consecutive months, to all 3 ConsumeXXXX Reporting Agencies, equaling 84 separate violations of the Fair Credit Reporting Act. WHEREFORE, I demand {$1000.00} per violation of the Fair Credit Reporting Act. I demand the accounts be deleted from all Consumer Reporting Agencies reports.
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed this account listed on my account less than 30 days ago and through CFPB and received a response that did not provide me with the verification I requested. What I requested was : Please note that I am requesting validation ; that is competent evidence bearing my signature.This was not provided. I was given a letter in which included a pile of bills saying I owe {$2100.00} on my credit report states {$2100.00}. You are violating my rights. I filed a complaint with Better Business Bureau this account was removed last week. It has since been placed back on my credit report with a dollar increase and a new owing date. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act.. Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. I will be seeking a minimum of {$3000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) In accordance with the Fair Credit Reporting Act. 15 U.S.C. 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ive sent several certified letters to Midland Credit with no return assistance from them. They are showing to have on my Credit Profile 4 accounts in which I have no knowledge of. I have never signed and agreement with Midland Credit nor do I owe Midland Credit anything. I send them a very detailed " Certified '' letter asking for the following infomation- Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. and I have not seen anything to date. I know we are to give 30 to 45 days but this has been going on for about a year and half and I have yet to receive any correspondence from them. This is not fair for me nor any other consumer finding themselves in this situation with Midland Credit.
Company Response:
State: TX
Zip: 75160
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I secured a {$1900.00} loan with XXXX XXXX on or about XX/XX/2020, at the start of the pandemic. I was not able to pay the loan back as scheduled and when it was reported to the credit bureau, I noticed the APR for the loan was 159.57 %. Finance charges that would have accrued would have totaled {$1300.00}, making the total repayment of the {$1900.00} loan {$3200.00}. I did not realize the APR was so high, and disputed this with the XXXX credit reporting agency. XXXX then charged off the account and Midland Credit Management bought the loan. I was continually harassed and threatened with a lawsuit from this creditor, and made payment arrangements. I diligently paid on the agreed amount twice a month, with the exception of a month when I couldnt financially commit, and agreed to pay a lesser amount for that month. I requested on two separate occasions to settle for a lesser amount and Midland Credit would only reduce the amount by XXXX %, and no more. I settled for a {$100.00} reduction on a {$1400.00} + loan, yet my statements have not reflected the reduced amount. I have offered to pay 60 % of the loan all at once, but they would not agree to that. Ultimately, I would like this creditor to dismiss this account, as the charges accrued were from a loan charging an illegal APR rate of 159.57 %.
Company Response:
State: MI
Zip: 49426
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: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Midland Credit Management began calling me in XXXX of this year ( XXXX ). I originally stated my " cease and desist '' spiel, telling them not to call this number, to take me off of their auto-dialer and not to contact me again. I then add the number they called from to my cell phone 's Blocked Numbers list. Despite this, Midland is continuing to harass me with weekly phone calls from ever-changing phone numbers. They are demanding payment for two old credit card debt accounts that were written off/charged off by the original creditor in XXXX. Neither of the accounts are still showing on my credit reports as the statute of limitations has passed. I have verified with all three Credit Bureaus these accounts are no longer listed. I have asked Midland to stop calling me. I have written a letter to them asking them to cease and desist contacting me. They call from different phone numbers, which is harassments. Every time they call, I add the number to my blocked list in my phone. At present I have over 30 different numbers for Midland blocked in my phone. I want the CFPB to publish this description on consumerfinance.gov
Company Response:
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
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: This company listed below is in violation of the law. MIDLAND CREDIT MANAGEMEN XXXX Debt Buyer Individual XX/XX/XXXX Collection account. {$410.00} past due as of XX/XX/XXXX. Under section 15 U.S Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. I did not give my consent or did any business with this company, they call me everyday harassing me, I can't work in peace!! a debt collector is supposed to contact you only once during a 7-day increment. Please have them stop calling me or I will press charges. 15 U.S. Code 1692k - Civil liability ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; Please do not violate my rights to privacy!
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XX/XX/2020 a cc was opened in my name and Ive tried to have it removed. So now Im here, please remove this immediately
Company Response:
State: WI
Zip: 53210
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A