Date Received: 2023-07-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2022 my balance reported by Midland Credit Management seems to have started the time in collections over. XXXX XXXX was the original creditor and they sold my debt to Midland who seems to have started over the time for this debt to " fall off '' my credit report.
Company Response:
State: IN
Zip: 461XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: It should be known that Midland Credit Management is violating the F.C.R.A., The basic standards of XXXX XXXX, and due process of federal law. They are reporting incorrect information to XXXX regarding a collection account. They are also intentionally failing to report information that is causing the report to be incomplete to XXXX. Finally, they are misabusing the basic standards of the XXXX XXXX reporting requirements to XXXX. A dispute was filed with XXXX and denied on grounds that said account was mine, which was never a ground disputed on or for. It also should be known that XXXX has never been in contact with me either. The said discrepancies and errors are as follows on my XXXX report under account # XXXX - XXXX : Said account is reporting or being hidden in other accounts section as a open account. This is a account that was closed by original creditor and sold to Midland Credit Management. Midland can not extend credit to anyone and can not have a open credit type with anyone and should not be reporting any type of accounts except 'Collections '. No collection account should have a type as open especially when I have no signed agreements with them and since they are not the original creditor. Under account status shows open and this is incorrect and wrong. 2 : Date of last activity is intentionally missing from report. 3 : Date closed is intentionally missing from report. 4 : Account type is missing making report incomplete. 5 : On report under dispute status, report says account not disputed. Contrary, on same report under creditors remarks, it says account is disputed! Both Dispute status and Creditor remarks differ so both can't be correct. 6 : Under months reviewed or terms it says 13 months. This is incorrect and a violation because no terms or review status should be showing since Midland is not a creditor and since I have no terms or agreements with Midland. 7 : Once original creditor closed account, balance should report as 0. Midland still reports balance as XXXX. Midland is prohibited from reporting this balance because they are not the original creditor and since I have no signed agreements with them. These XXXX errors constitutes deletion.A copy of my smart credit 3 bureau report is included for review to see violations and a civil suit is next.
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I previous reported this company for coming after me for this debt that is not owed and to give this company a 15 US Code 1692e ( 3 )
Company Response:
State: FL
Zip: 33610
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: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX XXXX at XXXX XXXX after an hour long vall this collection agency mcm midland credit agreed to take half of the amount owed after threating to sue me and attach my pay with a judgment. they informed me after payment posted that day the would notify the credit bureaus debt paid in full. i authorized {$1700.00} withdrawl and they have collected it and are now saying the need time to close account, keep sending me emails stating i owe the account and still are reporting the debt to the credit bureaus as owed in full. Also now they say 30 to 45 to close account and update the credit bureau. This company has been deceptive and using unfair business pratices. I lost my home last year and fell behind but have paid this debt and its unfair every day this in on my credit that im trying to rebuild they are causing me harm.
Company Response:
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I literally just received a notification from XXXX that there was a change to my report due to Midland Credit Management. When I check on what it was it stated a collection for something called XXXX XXXX. I have not received any prior notification from Midland Credit Management. I did not receive a letter that gave me the opportunity to dispute or anything. THIS IS ILLEGAL. YOU CAN NOT JUST POP UP OUT OF NO WHERE ON PEOPLE CREDIT LIKE THIS IS A GAME OF JACK IN THE BOX OR PICK A BOO AND THINK IT IS OKAY ... ITS NOT ... .I AM GOING THROUGH ENOUGH AS IT IS FROM XXXX XXXX XXXX OUT OF NOWHERE I AINT GOT TIME TO KEEP TRYING TO HAWK MY CREDIT REPORT BECASUE OF PEOPLE LIKE YOU .... IM REALLY FEELING XXXX XXXX DUE TO THIS.
Company Response:
State: AL
Zip: 36092
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to follow up on my previous complaint filed with the Consumer Financial Protection Bureau ( CFPB ) regarding the inaccurate and unverified information reported by MIDLAND CREDIT MANAGEM # XXXX. The information in question has violated my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a. As I mentioned in my initial complaint, I have never done business with this companie, and the information they reported on my credit report is completely inaccurate. Under 15 U.S.C. 1681a, I have the right to ensure that my credit report is based on accurate and verified information. I have already disputed this inaccurate information with MIDLAND CREDIT, but I have not received a satisfactory response from them. I have copies of my previous dispute letters and any relevant documentation that supports my claim. I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and take appropriate action against these companies for violating my rights under the FCRA. I request that the inaccurate and unverified information be promptly removed from my credit report to prevent any further harm to my creditworthiness. Thank you for your attention to this serious matter. I trust that the CFPB will take the necessary steps to rectify this situation and protect consumers from such violations in the future.
Company Response:
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XX/XX/XXXX, I went into XXXX XXXX furniture store, browsing for a bed set, an eager saleswoman ( XXXX ), showed me around. She dishonestly convinced me to apply for a loan. After I was approved for {$4000.00}, she proceeded to writing a purchase receipt. I told her that her explanation to me was that checking for a loan approval did not mean that I have to purchase. She confidently told me that she has my signature, and whether I took the furniture or not, I would be charged. I told her the furnitures seemed broken and very low quality, and I really did not want it. I asked to speak to her manager, and she told me she was the manager. There was no other workers in the store, so I could not get any help. I retrieved the papers she had written on with a bank name ( XXXX XXXX ) and the account number. I went outside and called the bank, spoke to XXXX XXXX, and explained the scam. XXXX told me, she would take it off and report it to fraud department the following day due to that at the time the fraud department was closed, late afternoon. XX/XX/XXXX, I called XXXX XXXX to make sure that it was reported to Fraud Department, the service person told me Fraud Department was probably handling it because there was no record of my call the previous day, so I explained again. This person told me again, it would be reported. XX/XX/XXXX, I received a letter from Midland Credit Management dated XX/XX/XXXX, telling me that my account of {$1900.00} was sold to them on XX/XX/XXXX. I called Midland Credit Management immediately and told them that they were sold a fraud account. I did not purchased any product other than signed for a loan qualification. Midland told me they would launch an investigation. XX/XX/XXXX, I received a letter from Midland Credit Management stating that they have initiated delete the tradeline of reference to my account from the three major credit reporting agencies. XX/XX/XXXX, I called Midland Credit Management, spoke to XXXX XXXX, he told me, considered taken care of, meaning that it was dismissed and I would no longer have problems. Pandemic came, and I moved to live in the mountain. XX/XX/XXXX, I received from my employer a writ of execution, a judgment to garnish my wages from Midland Credit Management in the amount of {$2300.00}. I seriously thought that it was another scam, so I took it to Superior Court to check its validity. It is legitimate, and I have missed my opportunity to defend myself in court due to that I have moved and court appearance papers must have come to my old address. Criminals continue to commit crimes because they feel that they CAN, and that they can get away with it. In this case, I feel that there are three criminals working together : saleswoman ( XXXX ), XXXX at the XXXX XXXX, and Midland Credit Management. Each time I called, I felt as if the person on the line just gave me answers to please me, telling me that it is in the process of being solved or is solved, but really they continue to scam me further. I believed that there are a lot more people out there being scammed by these systematic, professional scammers, and I am just a number. I am so upset that they have been getting away with it. I am just an honest, God loving, hardworking woman, and I dont even know where to begin to fight such scammers. I need help.
Company Response:
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2023-07-20
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: I am submitting a complaint regarding XXXX that has repeatedly violated my consumer rights as a consumer. Despite my many attempts to rectify the situation, this agency has continued to include items on my consumer report without obtaining my consent, which has led to the defamation of my character. Furthermore, this agency has failed to provide me with any verifiable contract or evidence to support the inclusion of these items on my consumer report, as outlined in 16 USC 6802, 6803, 6804, and 6805. In addition to this, this agency has engaged in inaccurate reporting, which violates USC 1681d and USC 1681n. They have also violated 16 CFR 313 by showing charges off on my consumer report, which is technically ordinary income by the IRS. This a clear violation of my right as a consumer. Furthermore, this agency has shown a certificate of indebtedness on my report, which violates the Privacy Act of 1974. They have also violated my rights by showing transaction history on my report without obtaining my consent. As a result, I am now being forced to take legal action against this agency for violating my consumer rights as a consumer. I am deeply concerned about the impact that this agency 's actions have had on my reputation and financial standing. I urge you to investigate this matter thoroughly and take appropriate action to ensure that this agency is held accountable for their actions.
Company Response:
State: IL
Zip: 62226
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: Information belongs to someone else
Consumer Complaint: This account does not belong to me its fraudulent account that I have not opened its being reported to transunion under a social security number does not belongs to me from midland credit management Inc Beginning or ending with XXXX in which I have spoken with transunion and midland credit management Inc and neither one of these companies have not corrected this problem
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A