Date Received: 2023-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Pursuant to 18 usc 8, I owe no debt this company is violating my consumer right to privacy pursuant to 15 us 1681 b 2 company has also No permission to report anything using my info pursuant to 15 usc 1681 4
Company Response:
State: GA
Zip: 30121
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: 2023-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Company Response:
State: NY
Zip: 10454
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to file a complaint against Midland Credit Management , Inc. for their unlawful and unethical debt collection practices. despite repeated requests for verification and proof of the alleged debt, Midland Credit Management , Inc. has failed to provide any documentation to support their claim. They have continued to harass me with collection calls and letters, despite my clear requests to cease all communication until they can provide proof of the debt. Furthermore, I did not give consent for Midland Credit Management, Inc.to put any times on my consumer reports. Yet, they have continued to report inaccurate information on my consumer report, which has negatively impacted my credit score and financial well-being. This is a direct violation of the Fair Credit Reporting Act ( FCRA ) sections 1681d and 1681n. In addition to violating the FCRA, Midland Credit Management , Inc. has also violated the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they have violated 15 USC 1692c ( a ) ( 1 ) by continuing to call and send letters despite my request for them to stop. They have also violated 15 USC 1692e ( 2 ) ( A ) by providing false and misleading information about the debt, and 15 USC 1692j ( a ) by failing to provide me with verification of the debt. Midland has also violated 15 USC 1692d ( 2 ) by engaging in harassing and abusive debt collection practices. their behavior has caused me significant distress, and I believe that their actions are unacceptable and illegal. Finally, I would like to bring to your attention that Midland Credit Management , Inc. is also violation the Collection Agency Act ( 205 ILCS 740/ ). Their continued collection of an unverified debt is a direct violation of this act. What's more, the company is showing my report as open with XXXX consumer report agency and closed with another. this inaccurate information is causing additional harm to my consumer report and financial standing. I have made numerous attempts to resolve this matter with Midland Credit Management , Inc., but they have refused to comply with my requests and continue to engage in unlawful and unethical debt collection practices. As a result, I am now left with no other option but to pursue legal action against them. I request that the Consumer Financial protection Bureau investigate this matter and take appropriate action to address these violations. I also request that Midland Credit Management XXXX Inc. be held accountable for their actions and that they be required to provide me with the verification and documentation necessary to support their claim. I further request that they correct any inaccurate information that they have reported to any and all consumer reporting agencies.
Company Response:
State: IL
Zip: 62226
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: It should be known that at present time, Midland Credit Management is improperly reporting incorrect/ inadequate information on my XXXX report. They are also intentionally failing to report information on a account to XXXX which constitutes the report as incomplete. Finally, Midland is improperly reporting information that violates the standards of the XXXX XXXX. Said account reporting to XXXX is under account # XXXX. It was disputed with XXXX and denied on grounds that account belongs to me which was never a ground I disputed account on period and Midland verified account information as accurate. Midland is violating the F.C.R.A., XXXX XXXX, and due process of federal law. The errors and discrepancies are as follows- 1 : Said account is being hid under other accounts due to payment history showing and due to account showing as a open account or open trade line because under account status it says account is open. This is a account that was closed by original creditor and sold to Midland. No collection accounts should have a open status. Midland Credit Management can't extend credit to anyone and is a debt buyer. Midland Credit Management can not have a open credit type or status with anyone and should not be reporting any type of accounts except collections. Nor are they the original creditor and nor do I have and written or signed agreements with Midland. Nor have I ever been contacted by them or agreed to anything. This is a closed account period. 2 : Date last verified is missing making report incomplete. 3 : Date closed is missing making report incomplete. 4 : Date of last activity is incorrect and not been updated in 2 years. 5 : Report shows a past due amount of XXXX. Midland is not the original creditor or a creditor and can not report a account as past due or current. 6 : Under months reviewed, it says 13. Midland is not a creditor and I have no terms or agreements with them. No terms or months reviewed should be showing. 7 : Under payment status, it says 120 days late. Debt buyers or Collectors can't report payment status. Midland is not a creditor or original creditor and prohibited from reporting payment history. 8 : Debt buyers or Collectors can't report payment ratings because per metro 2 it is not applicable and nor is there any room on form for payment ratings from a debt buyer or Collector as Midland is violating. 9 : On 2 year payment history calendar Midland reports XXXX XXXX XXXX as 90 days late. This is in error and in violation of XXXX XXXX in that Midland is not a creditor, not the original creditor, and I have no signed agreements with them. There is no payment history to report from Midland. 10 : Under 7 year payment status, Midland reports 1 90 days late. This is in error and violates the XXXX XXXX and the F.C.R.A.. Midland is no creditor or original creditor and prohibited from reporting payment history on XXXX XXXX form. There should be no payment history to report. I have never authorized or signed any agreements with them. 11 : No balance should be showing as XXXX. Midland is no creditor or original creditor and no balance should be showing. Once original creditor closed account, only XXXX balance should be showing. A copy of the Consumers smart credit 3 bureau report is included for review to see all errors. A civil suit is impending against Midland if this account is not deleted.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Midland credit management 15 U.S. COde 1681b Permissible purposes of consumer report. I did not give permission to report this on my credit report. I have no knowledge of this collection and would like it to be removed immediately. This is 15 USC 1681 ( b ) ( E ) false information
Company Response:
State: MO
Zip: 63052
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I never received a DUNNING LETTER from XXXX affording me the opportunity to dispute, settle, discuss or anything prior to getting a summons, this is a direct violation of the FDCPA ( FAIR DEBT COLLECTIONS PRACTICE ACT ) Also, The summons was not given directly to me but instead, it was given to a XXXX that is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX because he is not mature enough to understand the ramifications of this process and he is thinking that you can possibly face jail time
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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 is my third time challenging this company to remove the collection on my Credit report. Additionally, I have requested for them to send me the information that the seller is providing them to determine that this is in fact me. I need DOCUMENTS. How is it that that are staying that they are verifying that it is me w/o providing me with the proper documentation to prove it is me. Ive sent in everything theyve required. I need for this company to send me the info they have in file ( all records ) indicating that this account belongs to me. If they arent willing to provide me with documentation, I need to see what they are using to verify it is me. Please Advise!
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: ACCOUNT NAME XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCT : XXXX MIDLAND CRED ( Original Creditor : XXXX XXXX ) ACCT : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit management is reporting the same XXXX XXXX account that is in collections 3 different times one my credit report. They state that 2 accounts were opened in 2022. XXXX in XXXX and XXXX in XXXX. No new accounts were opened, they are reporting it multiple times to damage my credit rating further.
Company Response:
State: IL
Zip: 617XX
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To Whom It May Concern, I am writing to dispute the validity of a debt currently being reported by Midland Credit Management on my credit report. l am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX. There is no contractual agreement between me and the collection agency, and I have not received any verification of the debt 's validity. On XX/XX/2023, I received a communication from Midland Credit Management Inc stating that I owe a debt in the amount of {$1300.00}. However, I have not entered into any contractual agreement with Midland Credit Management, nor have I received any communication from them regarding the alleged debt before that date or the original contract as requested. Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to receive validation of the debt upon my request. I kindly request that you thoroughly investigate this matter and require Midland Credit Management to provide the following information : 1. Documentation of Original Agreement : I request the collection agency to provide a copy of the original contract or agreement, demonstrating that I am legally obligated to pay the alleged debt. 2. Documentation of Contract/Agreement with Midland Credit Management that I owe the collection Agency this debt. I did not sign any paperwork or contract with Midland Credit Management Inc. As of now, I have not been presented with any evidence validating the legitimacy of the debt. Therefore, I urge the CFPB to thoroughly investigate this matter and ensure that Midland Credit Management is in compliance with all applicable laws and regulations. I request that any negative reporting of this debt be suspended on my credit report until the investigation is complete, as the accuracy of this information is disputed. Please acknowledge receipt of this dispute letter and inform me of the progress of the investigation. I expect your timely response within 15 days from the receipt of this letter, as stipulated by the FDCPA. Thank you for your prompt attention to this matter. I trust that the CFPB will diligently address this dispute and ensure that my consumer rights are protected.
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A