Date Received: 2022-08-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have identified information on my consumer credit file that is a direct result of identity theft. These items on my consumer report are not related to any transactions authorized by me. There are variation of companies name, account numbers are incomplete, variations of balances. My Social Security number, my date of birth and other sensitive information has been compromised by all three major credit reporting agencies which include XXXX, XXXX and XXXX all three agencies have had data breaches. I have disputed with the company and all credit bureaus only to be denied even while reporting Midland Credit Management they are breaking FCRA Laws. Some of their variations of names are : 1. Midlandcre 2. Midlandcred 3. Midland Credit Management 4. Midland Credit Management Inc. 5. Midland Credit Management LLC This tactic is a devious high tech scheme to try to keep uneducated ( to the law ) consumers in bondage. On XX/XX/2022 my credit score plummeted over 100 points. Midland Credit Management for months have reported willful, erroneous, illegal, fraudulent items on my consumer credit report. It has cost me a great deal of grief, money, time and stress. It has affected my health, my credit score has decreased, for years denied credit, denied employment, denied housing opportunities and loans. SEE ATTACHMENTS
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account has never belonged to me! This account is unknown to me. I never entered into any agreement with this account. I should not be held responsible for this account because it is not my responsibility! I have already asked this account to validate this account, but it has failed to do so.
Company Response:
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: So Ive explained my financial situation multiple times. Its an issue Id like to resolve as soon as possible, but wont be able to resolve until XXXX. Ive explained this multiple times, they say theyre making a note of it, but the last time they said, You understand we have the right to keep calling you, right? Im all for resolving issues and rebuilding my credit, but it feels like theyre not listening to what Im saying and think that pestering me will make me come up with the money sooner, which it wont. It feels like everything I said goes in one ear and out the other and the next person calls and the whole process starts over. Its annoying, intrusive and unwanted.
Company Response:
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I, XXXX XXXX, a consumer defined as, any natural person obligated or allegedly obligated to pay a debt pursuant to 15 U.S Code 1692a ( 3 ), have suffered from various violations of my Consumer rights protected by the Fair Debt Collection Act in connection with the collection of an alleged debt. I am aware and have proof that, MIDLAND CREDIT MANAGEMENTXXXX ENCORE CAPITAL GROUP COMPANY is willfully in violation of 15 U.S. Code 1692e ( 2 ) ( A ). I was misled and deceived of the legal status of the alleged debt by not being disclosed that the alleged debt was time barred or that payment on the account would renew the statute of limitations. The alleged debt was bought on XX/XX/XXXX six years after the Account # XXXX was reportedly opened on XX/XX/XXXX and charged off on XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY also failed to provide debt validation letter prior to attempting to collect debt pursuant to 15 U.S. Code 1692g. I am aware and have proof that, MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY is willfully in violation of 15 U.S. Code 1692e ( 5 ). I received a letter stating the account may be proceeded to an attorney for possible litigation. I responded via certified mail and requested original account level documentation to validate the alleged debt. MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY sent a letter from XXXX XXXX XXXX XXXX regarding the debt being sold and a statement and has failed to provide adequate information on the account forming the basis for the debt and shall not legally file suit without original account level documentation. Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 337 ( Haw. XXXX ) ( mere statements in affidavits do not authenticate exhibits referred to unless these exhibits are sworn to or certified ) The letter from XXXX XXXX XXXX XXXX regarding the debt being sold was addressed to XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Florida XXXX which is an inaccurate address and I have not had residence there. I am aware and have proof that, MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY is willfully in violation of 15 U.S. Code 1692e ( 10 ) and 15 U.S. Code 1692e ( 13 ). I received several documents deceptively titled Midland 's Pre-Legal/Legal Process signed by Divisions Manager XXXX XXXX in an attempt to collect alleged debt. I am aware and have proof that, MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY is willfully in violation of 15 U.S. Code 1692d ( 5 ) and 15 U.S. Code 1692d ( 6 ). I have record of repeated calls from MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY and a total of twenty nine voicemails. On XX/XX/XXXX a representative by the name of XXXX XXXX called me twice within one hour and left two voicemails. Two days later I received another two harassing calls within a thirty four minute time span. A representative of MIDLAND CREDIT MANAGEMENT/ENCORE CAPITAL GROUP COMPANY called from an undisclosed number stating only their name, " XXXX XXXX XXXX and not the name of the collection company when I asked twice who the call was from, after verifying who I am. XXXX XXXX then proceeded to harass me for eight minutes stating I owed a debt. These repetitive calls and voicemails accompanied with threat of legal suit caused me severe emotional distress and XXXX in fear of being sued for the alleged debt. I am aware and have proof that, MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY is willfully in violation of 15 U.S. Code 1692e ( 10 ). I received the first letter threatening litigation from XXXX XXXX who signed as Divisions Manager. The document received on XX/XX/XXXX in response to the Cease and Desist was also from XXXX XXXX who then falsely signed as Consumer Support Services further confusing and misleading me on who is resolving my concerns. I have disputed this account several times with XXXX, XXXX, and XXXX and MIDLAND CREDIT MANAGEMENT/ ENCORE CAPITAL GROUP COMPANY continues to report this inaccurate account on my credit report. I have filed two FTC reports regarding my identify theft and improper use of sensitive personal credit data, one in XXXX and XXXX on XX/XX/XXXX.
Company Response:
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland funding LLC. XX/XX/2022 added {$1.00} to my account causing my score to drop XXXX pts. And starting a new time-line for the account. I disputed the charge and was given {$1.00} credit. I'm not sure about the time-line. Damage done XXXX will not return my score back to the original score. I also sent letters to Midland funding requesting all documentation on the account and to stop contacting me. No response. I feel both Midland & XXXX have committee fraud against me.
Company Response:
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: 2022 - {$3500.00}, {$1500.00}, {$1400.00} {$1800.00} : Credit card company are garnishing my wages I am head of household with 4 small children. I was not advised that lawsuits were being filed against me. I didn't have a chance to speak up for myself, I'm on the verge of loosing my home because I'm behind on payments as well as all my other bills. I don't have enough money to buy groceries for my children.
Company Response:
State: FL
Zip: 33018
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Received letter stating debt was owed for a credit card account that was charged off in XXXX of XXXX. Responded to the claim on XX/XX/XXXX asking for further details which included : 1. The original amount of the debt ; 2. The original contract or information about this account ; 3. The name and original creditor to whom this debt is owed ; 4. Verification of each transaction held for this debt, and or any court ordered judgment against it ; 5. Proof of historical payments made, transactional history of the account ; 6. Proof that the collection agency is licensed to collect in the State of XXXX ; In this letter, I clarified that this account was in fact fraudulent, that all charges were not mine/never were mine, which included the information pertaining to the existing police report for fraud ( which names this account, among many ) ; with a named perpetrator who is in prison. The response was received by the collection agency on XX/XX/XXXX with a letter stating their accounts were accurate, that they were essentially ignoring the communication sent via certified mail ; followed by a single, final financial statement from the original creditor with interest only charges ; no other historical transactions. They are unwilling to cooperate and acknowledge the criminal findings and formal police report and continue to pursue the debt. They have continued to make phone calls to my phone even after requesting on XXXX occasions they cease communications that were not via They blatantly ignored the information in the letter and have been uncooperative.
Company Response:
State: CO
Zip: 80027
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Collection agency is reporting false information to my credit.
Company Response:
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from your company attempting to collect an alleged debt. For starters, I do not owe your company any money. For two it is not legal for you to collect a debt on behalf of another collection agency. I would like to ask, are you insinuating that I had an account, or some type of credit was lent to me on behalf of Midland Credit Management? I have never done business with Midland Credit Management. I need you to provide legal proof that I have the right to do business with you, what bonds me to you? What kind of business dealings have I done with you? I am demanding that you remove this account from my credit reports at once. It is absurd that your company would put something like this on my credit file. Not only do I not owe you money, but I know for sure that a collection can not collect a debt on behalf of another. I sent your company a debt validation letter on XX/XX/2022. It is a violation of the Fair Credit Reporting Act to report false information to a consumer 's credit file, you legally have 30 days ( about 4 and a half weeks ) to respond to my request. It has been over 60 days since I originally sent you a debt validation letter, you are not obligated by law to remove this account from my credit file. According to the FCRA, I may sue you in any qualified state or federal court including small claims court in my area. The following accounts should not be listed on my credit file remove these accounts 1.Midland Credit Management {$1100.00} 2.Midland Credit Management {$330.00} 3.Midland Credit Management {$560.00} 4.Midland Credit Management {$1400.00} I have attached my legal FTC Form, as well as my document from XXXX Security Breach. Please send me a notice that this account has been removed. I can be reached at the following address listed above or the email : XXXX XXXX
Company Response:
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This was never mine. My ex left in 2013 and took all my information bank account etc. I have not opened this account and know nothing about it till I got this notice of a judgement. I have had to fight several of the debts he opened. In my name. Please help me get this cleared from my name Thank you XXXX XXXX
Company Response:
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A