Date Received: 2023-07-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Midland credit management. Inc I received a summons for court in XXXX. I called to make a settlement offer. Spoke to XXXX in attempt make payment arrangements. XXXX XXXX identified during call as a lawyer representing Midland credit management , Inc . I offer a payment plan if was refused XXXX XXXX stated that I owed another debt and would be unable to make offer unless each debt was payed together. I had not received and notices of other debt owed. So this led to a garnishment due to this.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I asked the debt collector Midland Credit ManagementXXXX XXXX to stop contacting me by phone, in 2022, due to their pressures and ask them to only contact me by mail. I just found out that in retaliation of me asking that they not call me by phone, that they willfully and without my knowledge changed my mailing address to an old address that I had in a state where I lived 25 years ago. They willfully sent my information to someone other than my self which is a violation of my privacy and they willfully kept me from getting updated information regarding their collection actions. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: CO
Zip: 80439
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I have tried to call most recent XX/XX/XXXX and was waiting for XXXX mins so I have chatted twice now. Most recent today XX/XX/XXXX and was told they cant settle my debt as there are no account managers in the U.S. and that they were having a hard time finding my debt and I would have to call a different number. Ive gotten an insane amount of mail but there is no one in the U.S that can settle my debt per the two people I chatted online with stated.
Company Response:
State: NV
Zip: 89801
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have three credit card debts on my reports that were not opened by me! I send multiples requests requesting validation and proof of contract and they have fail to provide me the requested information. Thus debts are affecting my credit and I'm very unhappy of the lack of attention this co pay had showed to this matter by not sending the requested documents proving the validation of this debt.
Company Response:
State: MA
Zip: 02026
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have tried to resolve and dispute this issue with Midland Credit Management numerous times via the various credit reporting agencies dispute systems ; however, they have ignored my statements and kept me in collections ; while having me incur interest on a debt that is not mine. They are collecting for a company called " XXXX XXXX '' which I have never heard of - much less signed any contracts with. I have had my identity stolen at some point since I moved to Michigan - as false wages have been reported in various states - I have already reported this to the FTC as well as the FBI and various law enforcement agencies in the in the states in question. I am not sure ; however, if this account has anything to do with identity theft Regardless of the reason- I have never heard of or consented to do any sort of business with XXXX XXXX or any of their affiliates.
Company Response:
State: MI
Zip: 48238
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been disputing these accounts on my credit report for years to no avail. These accounts are closed, statue of limitation expired, and been paid off and its still showing a balance on my credit report. These accounts should be off my credit report immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Funding. Thanks so much for your help in this matter.
Company Response:
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Im not sure which credit card sold my information to a third party collection agency. I am XXXX with mental and physical XXXX. I came upon some info on my credit report but no listing of where it came from. I see it was midland credit management. I called to figure out whats going on and the representative told me I should try to resolve this debt before legal action is taken. However I told him I am indigent and XXXX. I was calling to figure out a plan but thats not how you address customers especially when I dont know who sold you the debt. I never gave ANY credit card agency permission to sell my debt. Who do third party agency think they are to threaten people with lawsuits? XXXX sick people who need the help most. The credit card company who I still dont know because they have not told me had no right to sell my information to anyone. I am sick my health was down and I can not work. Who do they think they are to close my account after years and sell the info. Disgusting.
Company Response:
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Credit Management was served a Notice of Claim and Dispute Affidavit. Accompanying the affidavit was an exhibit regarding their companys violation of my consumer rights and an invoice for those violations, dated XX/XX/XXXX. To present, Midland Credit Management has not rebutted the affidavit nor have Midland Credit Management sought to grant the remedy owed to me, but have acknowledged after harassing me for months and negatively harming my credit score, that in conclusion of their investigation in response to my affidavit, they were removing the account from my credit report. Please see attachments. Enclosed is my good faith with clean hands attempt to resolve this with Midland Credit Management prior to seeking default judgement, pursuant to XXXX XXXX. The attachments include : Tracking information with signature return receipt, Private Notice of Claim and Dispute dated XX/XX/XXXX, Exhibits of Midland Credit Management violating 15 U.S.C 1692, Invoice dated XX/XX/XXXX for 15 U.S.C 1692 violations, and Notice of Settlement Offer dated XX/XX/XXXX.
Company Response:
State: NV
Zip: 89031
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Consumer has received another offer from Midland Credit Management on an additional account. The company states that they're a 3rd party purchaser collecting on a previous debt. I ask for MCM to produce promissory note, original signed contract, bill of sale with price or purchase order, evidence of lien, evidence of my signed authority for your company to solicit me using my private personal information that I never provided to MCM. This is a false and misleading practice of deception. This is identity theft. You are violating the FDCPA and CalCivCode 1565-1590 contract law. If MCM have a valid contractual agreement signed by consumers agent that require the consumer to pay on a promissory obligation, then MCM must provide that contract to consumer as proof. MCM chooses to violate Rosenthal Fair Debt Collection Practices Act. Not to mention MCM still has no valid license in the state of CA. Because the consumer has no legal obligation to MCM, EXCEPT TO RESPOND TO THIS NOTICE then MCM must cease and desists all communications including consumer reporting communication. 15 U.S. Code 1692c states a debt collector may not communicate with consumer without prior consumer directly consenting to debt collector. You previously stated that consumer permission is not required to report to consumer report. As the consumer previously stated to MCM, under 15 U.S. Code 1681b - Permissible purposes of consumer reports a consumer report must have written consent from consumer furnishing of information and consumer report can not have personal transaction history. You also state consumer permission is not required because you sent a validation letter. Consumer points out according to 12 CFR 1016 you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. It further states that the consumer has the right to opt out at any time. MCM failed to provide either of this information within the validation letter to consumer. MCM MUST NOT REPORT TO CONSUMER REPORT. 12 CFR 1022.24 reasonable opt-out opportunity must be provided. As stated before you are in violation of my privacy under the Privacy Act of 1974 and the California Consumer Privacy Act. I did not authorize MCM to obtain in anyway my private information including alleged debt and use it against me. As stated in previous notice a California resident under California Consumer Privacy Act, have the right to request deletion of personal information and opt out of sale of personal information. PLEASE PROCESS OPT OUT OF SELLING AND SHARING PERSONAL INFORMATION & DELETE PERSONAL INFORMATION. The consumer will take it a step further in seeking remedy per 15 USC 1692k. The consumer demand compensation for each month of violations of {$1000.00} per month until account is removed. Failure to comply will lead to identity theft complaints with the FTC and Comptroller. By continuing the use of my personal stolen information, I may also file complaint with XXXX of California. I may also seek audit via IRS. I take my consumer rights very serious. Please unless concerning remedy to me MCM must cease and desist all other communications including consumer reporting. Consumer may use all information against you as proof of claim for potential lawsuit.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A