Date Received: 2022-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have notified the debt collectors that these accounts never belonged to me. My private information was used without my knowledge to open multiple accounts in my name. Please correct immediately.
Company Response:
State: CT
Zip: 06611
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1992 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2022-04-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: As of XX/XX/2022 XXXX statue of limitations laws have changed to 3 years. This should no longer be reflecting on my credit report. Consumer Credit Fairness Act of NY. Not the original debt and no validation. I have tried speaking with them and all they want me to do if verify my information, I am NOT verifying anything with anyone unless I know what the said debt is all about. They have never provided me with the correct paperwork, sign contract or anything. These need to be removed from my credit reports and they need to stop contacting me in all forms about this said debt.
Company Response:
State: NY
Zip: 127XX
Submitted Via: Web
Date Sent: 2022-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: After calling numerous times daily at all hours for years ( since I was laid off in XX/XX/XXXX thanks to COVID ) after numerous requests to stop calling, XXXX and their agent Midland Credit Management XXXX Encore Capital Group of XXXX XXXX CA called this morning ( XX/XX/XXXX ) from a fake number from XXXX area code XXXX from Minnesota. I answered the call thinking it was regarding my job applictions, the moment I said hello the person said they are calling for XXXX XXXX about a potential lawsuit. I asked if she/he/they were an attorney they rerfused I ended call. I called back person who answered gave me the company name and address but refused to give me their California bar #, confirm if they have a California Bar #, confirm is they are even licesned to practice law in California or let me speak with an attorney there based on the threat of litigation. I mentioned violating US FDCPA and California XXXX. This apears to be the continuatio of a pattern that the New York State Attorney General, the US DOJ and CFPB have already sued them and prosecuted them for in the past. When individuals repeatedly break the law the go to jail and eventually get 3 strikes Background : In XX/XX/XXXX, New York State Attorney General XXXX XXXX sued Encore Capital over unethical practices and forced Encore Capital to pay a {$670000.00} penalty and vacate more than XXXX court judgments against borrowers. In XX/XX/XXXX, both Encore and XXXX XXXX XXXX, the United States two largest publicly held debt buyers, were charged with violating the Fair Debt Collection Practices Act and the XXXX XXXX XXXX Reform and Consumer Protection Act by filing " lawsuits against consumers without having the intent to prove many of the debts, winning the vast majority of the lawsuits by default when consumers failed to defend themselves. '' The Consumer Financial Protection Bureau imposed an enforcement action on Encore Capital for pressuring borrowers " to pay with false statements, with lawsuits and with the use of using so-called robo-signed court documents. '' According to XXXX XXXX XXXX XXXX Encore paid " {$42.00} XXXX in consumer refunds and a {$10.00} XXXX penalty '' and an injunction to " stop collections on debts totaling more than {$120.00} XXXX. '' Suggsed reolution .... Stop threatening people with non existant litigation stop violating US FDCPA and CA XXXX like they have been apparently since before XXXX. " Justice '' maybe? Criminal prosecution against their President, XXXX XXXX, XXXX XXXX XXXX CEO XXXX XXXX and whomever is still encouraging employee to continue violating state and federal laws. It time we actually start holding corporation accountable like we do individuals. They should not be above the law and allowed, as a large powerful corporation with {$1.00} XXXX in assets, to do anything they wish violate all of our laws and get wealthy doing so with no serious consequences or repurcussions. Apparently the fines of {$52.00} XXXX ( 3 % ) were insufficient as a deterrent for a {$1.00} XXXX company. That was merely a traffic ticket for a {$1.00} XXXX company. Like in the XXXX financial crisis with massive fraud and robo signing fraud NO ONE is going to jail. Why? I though " corporations are people too '', well people go to jail, then they can go to jail too right? Are these criminals above the law? It seems there are two systems of " justice '' in the United States now. One sustem of justice for the weatlhy oligarchs and powerful corporation and a different ( seperate but UNEQUAL ) system of justice for us serfs and peasants. Modern slavery. We are the XXXX and XXXX Bank, Encore Capital Group are the modern plantation owners and XXXX XXXX and XXXX XXXX manage the plantations.
Company Response:
State: AZ
Zip: 85365
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Midland Credit Management I do not have contract with this company, I do not owe this company. They continue to send deliquent information to the reporting credit agency showing that this charge was just opened. This has been going on for more than 2 years now.
Company Response:
State: MS
Zip: 39532
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company calls repeatedly. I already told them several times that the person theyre trying to reach isnt me, they have the wrong number. Theyve been calling at least 10 times a week for almost a year and they never leave a voicemail. Theyve even threatened me and told me that if Im lying, I will be put in jail. They dont stop. I put my phone on silence because of them so I end up missing phone calls from people I actually know.
Company Response:
State: AZ
Zip: 85383
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The removed it then put it back
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland credit management inc. is trying to get paid for an account that I paid in full when i recieve the first bill. They sent me a letter that I own {$240.00}! This is false beacause I paid my bill in full and I have proof of this payment. They try to ruin my credit reports record!
Company Response:
State: NJ
Zip: 07008
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have disputed this alleged debt with midland Credit Management for the amount in question {$920.00} after disputing directly with the credit bureaus and notifying them i have no knowledge of this debt. This company has continued to slander my name in violation of various united states codes ; as well and various protections provided in the fair credit act, i have disputed with the credit unions on XX/XX/2022 XXXX i have never even heard of this company in my life
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent letter to validate the debt they said i owe to them by certified mail and a copy mailed to the company location and they did not return information that i owe debt to them then i tried to dispute it i just want to validate the debt they have {$1300.00} {$670.00} {$820.00} i never signed contract with them and i need it removed from my credit.
Company Response:
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A