Date Received: 2022-12-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have sent several letters to have these collections removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX
Company Response:
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm getting letters repeatedly from Midland Credit Management. I responded 3 times already, twice by mail and once by phone. They are harassing me about a debt I don't owe. I have 2 accounts with XXXX XXXXXXXX and both of my accounts are current. MCM account # XXXX
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Reached out to these folks when i noticed this discrepancy on my credit report they have no record of it yet every single day i get notified from discover that their has been a negative change in my credit report, my information was comprised on XXXX i found out over the summer since then Ive had to dispute all of these fraudulent charges on my report including this loan of XXXX that i have never received please help as they have been damaging my credit report on a daily basis
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/2022 is the date on a letter I received from the XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. In this letter the XXXX XXXX XXXX tells me that the Midland Credit Management Inc had filed on XX/XX/2022 a lawsuit in XXXX XXXX XXXX XXXX ( Case No XXXX ) to collect more than {$3000.00} owed on a credit card account with XXXX which was bought by XXXX XXXX and then sent over to Midland Credit Management. I never received any notification before this time, and the debt to XXXX which was bought by XXXX XXXX was charged off. I contacted MCM by email and set up a payment plan to pay {$50.00} for 3 months and {$100.00} thereafter to resolve the debt because they say it is still active and in my name and personal details. During the setup of the payment plan I used a debit card which was nonsufficient in funds and was told it will be fine just be sure that money is on the card when it is time to make the payment. The debit card will not have funds in time, so I went back to edit the payment information and then was directed to phone XXXX to get the payment information updated. The person at that number told me they were unable to update the system and I should phone XXXX. The person at that number told me they were unable to update the system, that I have filed a complaint against them with CFPB and that they only way they will allow me to update the card information is to withdraw the complaint with CFPB. I said I would not and they told me that they could not service this debt that it had been with the company to long and this is the first time they had heard from me. The MCM acct number XXXX could not be located in their system and account # XXXX is too old to service. In the meanwhile, the staff became more hostile and would only tell me that they need to record the call, that the purpose of communication was to collect on a debt and any information that I tell them would be used for that purpose and that they are unable to service the debt. In the meanwhile, the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX have spoken to XXXX speaking persons, XXXX or XXXX XXXXXXXX XXXX as well as several other ladies about this debt and can not disclose any information to me because they are not certain if I am the person who actually owes the debt.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a work injury on the job and became XXXX in which I could not make payments to the original creditor ( XXXX XXXX, XXXX ). It was agreed upon by me and XXXX XXXX that I could make some form of payment. From there XXXX & XXXX harassed me over and over again regarding this debt stating that they purchased it from XXXX. I don't owe XXXX XXXX XXXX I owe XXXX XXXX. The amounts are definitely incorrect. I have asked them several times to please send me copies of every payment that I have made and they have refused to do so. I also wanted copies of the original purchases that I have made because of suspected fraud. That has never been sent as well. Even with the payments that i have attempted to make it never came off of the balance. It is so sad of the intentional threats of suing me that they have made. I would like this collection XXXX XXXX XXXX ( MIDLAND CREDIT, INC ) removed from my credit please. If the creditor sells the debt to collections it is no longer their debt and it is no longer mines either.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2020 Amount {$1000.00} I called told them the card was stolen and I want to close the account and the say ok and lied and then they send my info to collections
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX Asset Acceptance , LLC at XXXX XXXX XXXX XXXX MI XXXX filed suit against me Case in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in and for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Asset Acceptance acknowledge full payment of Final Judgement in Garnishment entered on XX/XX/XXXX for the Writ of Garnishment issued on XX/XX/XXXX, in the above-named Court against me, that was executed on XX/XX/XXXX. Asset Acceptance filed the same writ of garnishment in XX/XX/XXXX for the amount of {$770.00}, including accrued interest, under the same Case XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the case was argued on XX/XX/XXXX with Judge XXXX XXXX XXXX and ultimately dissolved, and was hereby ordered to cease and desist any further actions to garnish my wages ordered in XXXX XXXX XXXX Florida XX/XX/XXXX.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I am the original creditor. See XXXX XXXX XXXX XXXX XXXX. United States Code Law Title 22 Chapter 2 Section 141 ( permanent character ) - affirmative action. XXXX. XXXX XXXX and XXXX XXXX XXXX - XXXX survey blood right heir ( XXXX XXXX XXXX 12 USC 1825 ( D ) Full Faith and Credit. The full faith and credit of the United States is pledged to the payment of any obligation issued after XX/XX/1989 by the corporation, which respect to both principal and interest, if - ( 1 ) the principle amount of such obligation is stated in the obligation and ( 2 ) the term to maturity or the date of maturity of such obligation is stated in the obligation. 15 USC 1692 congressional declaration of purpose. XXXX XXXX XXXX XXXX!!! In accordance with the fair credit reporting act The principal debtor is responsible. 15 USC 1681 Section 602. Right to privacy 15 USC 1681 604 A Section 2 : consumer reporting agency CAN NOT furnish a account without written instructions. 15 USC 1666 B : a creditor may NOT treat payment on a credit card account under an open end consumer credit plan as late for purpose. AGAIN I AM THE ORIGINAL CREDITOR I provided my signature ( sign of nature ). Remove the fraudulent XXXX claims. Thank you.
Company Response:
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2022-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: NC
Zip: 28211
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A