Date Received: 2023-11-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XXXX XXXX a unknown collection was placed on my credit report. I have no idea and this collection is not mine. MIDLAND CREDIT MANAG has posted of collection of the amount of {$1500.00} that is not mine and is misleading false report.
Company Response:
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Served by law enforcement agent on XXXX with a lawsuit claiming that a debt was owed to Midland Credit Management , INC And that I was being sued by Midland Credit Management INC by which, ive never done business with Midland Credit Management INC. This company has used threatening tatics and no business was conducted with said company.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I never did any business with MIDLAND CREDIT MANAGEMENT, I used XXXX to look into this situation and requested a contract signed by both parties, full accounting, and proof that I ever conducted business with the above mentioned company. In return XXXX said they completed the investigation and found that the information provided is correct, without providing any proof or contract. " According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in acordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as autorized under subsection ( b ), 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 by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. ''
Company Response:
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Notice is dated XX/XX/2023 from MidlandCredit.com -- notice is listed as 'Pre-Legal Notification ' Supposed debtor is called XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} Listed on notice : Midland Credit Management , Inc wants to work with you to resolve the above reference account. This letter is to inform you that MCM is considering forwarding this account to an attorney in your state for possible litigation. Please pay us at Midlandcredit.com or call XXXX no later that XX/XX/2023. If we don't hear from you or receive payment, MCM may proceed with forwarding this account to an attorney. We would like to make an arrangement with you to resolve the above referenced account using the following : Bi-weekly payments as low as {$25.00} continuing until paid. Sincerely, XXXX XXXX XXXX XXXXXXXX Midland Credit Management , Inc XXXX
Company Response:
State: AZ
Zip: 85711
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Midland Credit Management has sent my job a garnish wages court order. My job is taking the money out my income and the dob doesnt even match
Company Response:
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm not liable for the debt with Midland Credit Managment. I do not have a contract with this credit collection agency. I did not sign any paperwork with this credit collection agency stating that i would pay any balances or owe them any fiduciary responsibly. They did not provide me with the original contract as requested.
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: I would get calls from Midland Credit Management around XXXX. The representative on the phone never told me they were debt collectors. The representative mislead me to believe I opened an account with Midland Credit Management. I did not jnow they were debt collectors until I receive a summons to court. I contacted Midland Credit Management attorney XXXX XXXX to provide me the original documents with my signature in order to provr this debt is mine.
Company Response:
State: AZ
Zip: 85207
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Have not received any communication, release of judgment, removal of debt from Midland credit management, and removal of debt from my personal credit reports etc. Invoice of total owed received on XX/XX/2023. Check in the full amount of {$4900.00} was mailed out on XX/XX/2023. According to records check cleared in early XXXX. Again! have not received any communication, release of judgment, removal of debt from Midland credit management, and removal of debt from my personal credit reports etc.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I've lived in XXXX since XXXX of XXXX. I received a letter from my place of employment and a copy of a garnishee disclosure filed in XXXX. I am being garnished for {$5000.00} and I do not know why. The garnishment is going to start this week. My rights were violated. -I was sued in XXXX XXXX XXXX XXXX XXXX. I live in XXXX. -I was Never notified of a court date or by this debt collector regarding a debt -I am being garnished for {$5000.00} -My wages are being garnished for 25 % ; The law in XXXX states that the maximum someone can be garnished for is 15 %
Company Response:
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: MIDLAND CREDIT MANAGEMENT STOLE MY IDENTITY AND PROCEED TO SEEN ME INFORMATION OF DEBTS THAT I NEVER HAD WITH THEM
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A