Date Received: 2023-07-30
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: I recently decided that I wanted to purchase a home, so I decided to pull up my credit report and was shocked by some of the things that were reported. I tried to resolve the issue by reaching out to the company stating I was not aware of the debt listed and wanted it to be verified. The company failed to verify the debt, but continued to have it remain on my credit report. According to the 15 USC 1681 law there should not be any damages on my credit report. I would like for this to be resolved immediately.
Company Response:
State: MS
Zip: 388XX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Sir/Madam, I am writing to formally report a matter of great concern related to my credit report. An account that I do not recognize, managed by a collections agency called Midland Credit Management, has appeared on my credit report. I firmly believe this is a fraudulent account and it has negatively impacted my credit score. I first became aware of this issue a few months back. Despite not having any knowledge of the debt, I contacted XXXX XXXX to investigate. However, they have been unable to provide me with sufficient information to validate the debt. According to XXXX XXXX, the fraudulent charge first appeared on XXXX I have not entered into any agreement or incurred any financial obligation that could justify this account, nor have I received any form of communication or warning regarding this debt before it appeared on my credit report. I understand the serious implications of credit fraud and the profound impact it can have on an individual 's life. Therefore, I kindly request your assistance in this matter. Please treat this case as a potential fraudulent activity, and help me in rectifying this issue as soon as possible. As required, I have also sent a dispute letter to the credit reporting agencies, challenging the accuracy of this information. I am also keeping a vigilant eye on my accounts and credit reports for any other suspicious activities. I trust that the Consumer Financial Protection Bureau will conduct a thorough investigation into this matter, protect consumers ' rights, and take appropriate action against any fraudulent activities. Thank you for your attention to this serious matter. Sincerely, XXXX XXXX XXXX
Company Response:
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The item that Midland Credit is illegally attempting to collect has been XXXX through my XXXX XXXX XXXX. Ive disputed through the credit bureaus and they told the credit bureaus it was accurate this is illegall and I will contact my XXXX attorney and they will gladly reopen this case and have midland credit pay their fees plus I will claim for emotional distress as Ive stated to them before this is stressing me out
Company Response:
State: AL
Zip: 36092
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: 1. ) An account was opened in my name on XX/XX/2020, with a credit limit of {$1600.00}. The last payment processed on the account was XX/XX/2020. In XXXX of XXXX, allegations were made against the XXXX company regarding child trafficking violations. At that time, proclamation of bankruptcy due to economic uncertainty was reputed and no further statements were received requesting payment. 2. ) After reviewing my account, I attempted to contact the agency on ( 3 ) different occasions petitioning confirmation of the unproven debt and obtained no response each time. [ See attached documentation. ] 3. ) It is my conclusion, that this inadequacy in communication allowed Midland Credit Management to continuously charge late fees despite my efforts in contacting them for validity of the alleged debt. 4. ) My credit card limit, again, was {$1600.00} and the last purchase made was on XX/XX/2020 this would substantiate my submission that my credit card was clearly not at maxed-out capacity. 5. ) Per my initial offer on XXXX, I requested full verification of the reported debt if not contacted by MCM within 15 days. My invocation was unacknowledged. [ See supporting documentation. ] 6. ) Within a timeframe of one month, this unverified debt would be considered time barred as the statute of limitations to retrieve a debt is 3 years. It is my perspective that Midland Credit Management intentionally withheld information regarding my account and declined to disclose details ; to profit financially from the accumulation of fees up until the statute of limitation was at capacity. Respectfully, XXXX XXXX
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have two collections, from the same company, I have disputed them through the credit agencies but the companies keep saying that the debt is mine, but they have never sent me any notification or proof that it is mine. I asked them to delete it, but they refused. the company is called midland, and there are two collections, one for {$450.00} and another for {$2500.00}
Company Response:
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/XXXX, I became aware of my involvement in a small claims civil lawsuit. The plaintiff, Midland Credit Management , Inc., has filed a claim against me with the Clerk of the Superior & Magistrate courts in XXXX XXXX, alleging a breach of contract with an unknown creditor ( XXXX XXXX XXXX ) in the amount of {$680.00}. From what I have been able to gather online via a public court record search, this claim was initially filed against me on XX/XX/XXXX. Unbeknownst to me, it appears there was a hearing that I missed sometime between XXXX and present day. Unfortunately, I was not only unaware of this issue but I was also not notified of this lawsuit until earlier this week ( XX/XX/XXXX ). I received my first notice that was forwarded to me on Tuesday via USPS though the envelope is dated for XX/XX/XXXX. This is the only notice that I have received and an online search shows that I am due to appear in court on Monday, XX/XX/XXXX before judgement is made for the plaintiff. Though the events leading up to this lawsuit are unclear, I originally noticed Midland Credit Management Inc. on my credit file in XXXX while undergoing a bureau refresher that I conduct every other year. On 3 separate occasions my accountant and I drafted debt validation letters and presented them to this company ( XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ). I also made numerous attempts to contact Midland Credit Management at ( XXXX ) XXXX as this was the only number listed on my credit file. On each occurrence I explained to customer service agents that I have no knowledge of this company or XXXX XXXX XXXX. Due to this company being unable to produce a contractual agreement, an audit trail, my signature, any information about me or when this account was truly established, we were able to successfully have this creditor removed from my file after several rounds of credit disputes. In bringing the timeline to present day, Midland Credit Management Inc. has once again applied this debt to my credit file which I confirmed on XX/XX/XXXX. Despite my efforts to resolve the matter on numerous occasions and through multiple streams of communication since XXXX, the plaintiff has chosen to pursue legal action. Once I received a notice earlier this week to appear in court I immediately began working to try and resolve this matter as quickly as possible. For almost 2 years I was under the impression that this issue was behind me. I swiftly moved into action and contacted my attorney as well as XXXX XXXX XXXX at their listed phone number ( XXXX ) XXXX. After providing personal identifying information, XXXX XXXX XXXX advised me that they were unaware of any account associated with my name and were unable to assist. I was even offered the option to apply for one of their credit card accounts if I were interested. Unfortunately, I do not have much information to offer up in my defense as I do not know much of anything about either of these companies. I now know that XXXX XXXX offers credit cards and other accounts for customers with subpar credit, however, I have never had a need to use them. I do however have credit card accounts with my credit union ( XXXX XXXX ) and XXXX XXXX. At the moment I only have all supporting documentation of debt validation letters sent via certified mail and documents showing the numerous credit disputes from my credit analyst who previously worked on my bi-annual refresher in XXXX. As you can imagine, this is concerning for me in more ways than one. I am not sure if this is an identity theft issue or something else. In looking at my latest report there are no other anomalies that would support identity theft as I would imagine if someone had stolen my identity I would have more than just this one creditor. I am a bit distressed at the thought of now having to face this challenging situation once more but also with having to defend myself so abruptly in this civil lawsuit. Upon researching Midland Credit Management they have an extensive history of unethical business practices and history of bullying/suing individuals for balances that are not their own. This company has been unable to provide any tangible proof of ownership of this account, however, continues to attempt to collect an unknown debt belonging to an unknown individual. I do not own this debt and have provided Midland credit with sufficient evidence of such. I am now filing a formal complaint not only due to this company somehow applying the debt to my credit file once more but also because it appears they operate their business on the cusp of being outside of the law. Their business practices are truly unethical and they prey on innocent people in hopes to resolve debts that they can not justify.
Company Response:
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
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: Fraudulent activity is on this account, charges wasnt mine, remove this account from my profile, its not accurate and violate my rights
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I told XXXX XXXX XXXX XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX. Midland Credit Management : XXXX XXXXXXXX, Midland Credit Management : XXXX XXXXXXXX, However, they stated everything was complete and accurate. I have not talked to them by phone or in person about the debt, or electronic communication about the debt, nor have I received a validation notice. I do not recognize these accounts are reporting on my credit report. I do not recognize the account numbers. I do not recognize the account statuses. I do not recognize the account high balances, nor do I recognize the late payments associated with it. everything reported does not meet the FCRA But that is not possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly. 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 45b The Act generally makes provisions of form contracts between sellers and individual consumers void from inception if the provisions : ( 1 ) prohibit or restrict individuals from reviewing sellers goods... 15 U.S.C. 41-58, as amended The Federal Trade Commission Act is the primary statute of the Commission. Under this Act, as amended, the Commission is empowered, among other things, to ( a ) prevent unfair methods of competition and...
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management has failed to delete the account as agreed or has re-reported the alleged debt. According to the original CFPB complaint # XXXX, which was forwarded to the Office of the Comptroller of the Currency, Midland Credit Management on behalf of XXXX XXXX agreed to delete this account from the credit bureaus. The amount currently being reported is {$580.00} and reflects on XXXX, XXXX, and XXXX reports and shall be deleted as agreed upon receipt of this notice. The last reported date is XX/XX/XXXX and reflects an alleged account open date of XX/XX/XXXX.
Company Response:
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is inaccurate information on my consumer report, the collection account by Midland Credit has been charged off according to the IRS amounts over {$600.00} have to be filed as income with a 1099c, income doesn't get reported on a consumer report, how is this being reported as a debt? please delete this off my report as well as the balance is inaccurate, account has been reported 120 days late twice this is inaccurate according to 15 U.S. Code 1681e ( b ) accuracy of report ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. IF NOW THE STATUS HAS CHANGED WHAT YOU ARE REPORTING IS INACCURATE HOW ARE YOU MAINTAINING MAXIMUM ACCURACY WITH A INCORRECT ITEM PLEASE DELETE IT
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A