| 04/21/2015 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I was never contacted and properly notified by this collection agency for some old medical bills they were attempting to collect. My first notification came in the form of checking my credit report and noticing the collection accounts noted on my report. I immediately contacted them to make some sort of arrangement. I informed them that I wanted a pay for delete or else I could use HIPPA rights and force the original creditor to take the account back, paying the original creditor directly and avoiding the items being reported. The collection agency then, sensing they would loose out on approximately {$800.00} promised to remove the derogatory remarks, since I was never properly notified, if I paid them directly. I paid them directly, and they removed XXXX of the accounts but XXXX remained. I have been contacting them and calling them to no avail. I feel completely defrauded and my rights were violated. Their only interest was collecting the money. They have destroyed my credit and have caused me to loose out on credit being extended to me. I want them to fulfill the promise made to me as I followed thru on my promise and paid them in full. The agency in question is called MID Michigan Collection Agency in XXXX XXXX Michigan ( email XXXXXXXXXXXX ). Their phone number is XXXX. Please help! I feel so victimized. I have sent letters to the Michigan State Attorney General as well as the FTC. I also understand that they broke the law by even promising a pay for delete so now it makes sense to me why they are bailing out and refusing to go further with my accounts. So many laws were broken here.
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| 02/02/2017 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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This is my second complaint against this collection company. The response from the first complaint was totally false and inaccurate. To follow proper procedures, I sent a certified letter to them requesting validation of what is reporting on my account. Mid-Michigan Credit Bureau failed to retrieve and receive the mail. Tracking information is provided in the attached. This in a direct violation to : FDCPA section 809 ( a ) VALIDATION OF DEBTS, states : A debt collector shall send the consumer a written " Notice of Debt '' letter containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
This account should be removed immediately or legal action has to be taken.
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| 07/13/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Your agencys failure to rebut, answer, respond, to this conditional acceptance upon proof, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to Claimant for rebuttal or acquiesce stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut or continued acquiesce, failure to address, answer or respond to Default Judgment and Declaratory judgment created Summary judgment, dated XX/XX/2018. This is Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided.
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| 07/21/2017 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I have been contacted by this company Mid- Michigan numerous times trying to collect a debt that is not mine. I have explained to this company over and over again this is not my debt. I filled bankruptcy on XXXX XXXX in XX/XX/2014 and it has been discharged and I never visited this doctor every again because the doctor was no longer practicing there. This is fraud and unacceptable. I have also written to this company asking for deletion on my credit report and for validation but company will not respond. This is keeping me from being able to get a home of my own because of this reporting. I have attached my letter sent to this company with no response back. I am recovering from a XXXX and can not be under any XXXX and this is causing much XXXX in my life
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| 07/15/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have pulled my credit report in XXXX 2016 and found that Mid Michigan CB placed XXXX collections on me. I send out letter to dispute both debt in XXXX 2016. Mid Michigan did not respond. I filed a complaint to Consumer Financial Protection Bureau Case # XXXX in XXXX 2016. They send out the XXXX original document from the original creditor for {$16.00} which I have proof that it was paid. I will send you documentation on it. They have not sent me the other XXXX for {$130.00} that they say I owe and the account number is # XXXX. Mid Michigan CB had over six months to Validate this debt which they have not. The have violated FDCPA requirements.
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| 02/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX Credit bureau has been reporting 14 collection accounts to all the credit bureau after several debt validation disputes. The disputes were performed by three credit repairs services and myself. I have never received any information regarding this debt ; the only response is this company wrote in the remarks " Consumer disputes this account information '' but I have never received any correspondence or proof from this company. There are two entries for XX/XX/XXXX and twelve entries XX/XX/XXXX. I have no idea what these charges are and the volume of these entries on my credit reports are concerning.
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| 01/07/2018 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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This is aregarding the nasty, patronizing and unnecessarily personal voicemail left on my phone from an employee of yours -- XXXX XXXX.
This voicemail advised in a condescending tone that it was " time for me to accept responsibity '' for the debt owed. And that she was going to file for garnishment. And this was AFTER I had informed XXXX XXXX that I was at work and unable to have a conversation about this business matter. Ignoring my plea, she called back four times, then left said voicemail. I would hope that this kind of behavior is not representative of this company.
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| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am writing this due to non-compliance with the CRA XXXX.
They have failed to remove information that was affiliated with personal details that were challenged in the past.
I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Company Name : MID MICH CB XXXX XXXX XXXX XXXX MI XXXX Dates : XX/XX/2019, XX/XX/2019, and XX/XX/2019. I sent dispute letters out and the letters were unclaimed and returned to me.
The address that is listed on my credit report is the same address I used in my letters.
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| 05/22/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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They placed a collection on my credit report of XXXX office copay.
My ex wife paid the copay when she got the bill.
My ex wife took my daughter to hospital.
I had no idea about the copay. BUT they placed a delinquency on my credit report without verifying the debt. They placed a XXXX collection. My wife paid it directly to the hospital after she got the bill.
But they are harassing me the collection company and refused to remove the collection from credit report XXXX.
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| 03/15/2016 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Older American |
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I obtained my credit reports and Mid Michigan CB was on their showing negative on my credit report. I do not know who these people are. I have sent them a certified letter to provide me with proof of both accounts XX/XX/2016 which i provided you with this letter that is attached.. Also in my letter I told them I am also exercising my right under FDCPA to dispute the alleged account and demand validation from them.They have gave me nothing
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| 10/25/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Debt collector has violated FDCPA by failing to provide validation and history to an alleged collection account reporting on my credit report. After several attempts with communicating with the collection company and receiving no response for months, XXXX dispute still resulted in the company verifying that the information was correct but it is not. The debt was paid to the original creditor before any collections began.
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| 04/19/2019 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/2019 I sent a certified letter to Mid-Michigan, RE : Account XXXX**. The letter was received XX/XX/2019. In the letter I requested they validate the said debts that I owe without violating HIPPA rights. They have not corresponded. Its now XX/XX/2019 and I am requesting this company remove and delete this alleged debt from my credit reports due to the failure of adhering to the request on the certified letter.
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| 01/26/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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This company has marked that my account went to collections. However I paid the medical office directly, therefore the collection agency has no right to collect nor do they have a right to place a negative mark on my credit. Additionally, they have violated my rights under HIPPA by accessing my medical information to determine when I saw the physician in question and what was done for my care.
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| 04/16/2015 |
Yes |
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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I was not notified of my bill. I had found out that I had a bill from my credit report. I had called the number about it. I told them I never received a letter about my bill. So I asked if I pay the bill can they delete it from my credit report because I was never told about the bill. I had paid XXXX of them and it was never deleted.
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| 03/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I have disputed inaccurate information with MID MICH and XXXX for 3 months regarding accounts that are not mine.
Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXXXXXX XXXX Midmichcb Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX
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| 04/26/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
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mid Michigan credit bureau XXXX, mi never sent verification billings of debt or made any valid attempt before placing bad debt on my XXXX which was the only way I knew of it in the first place,
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| 06/04/2017 |
No |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I paid off two outstanding bill from Mid-Michigan Collection Bureau. Still on my credit report. # XXXX & XXXX are the account numbers
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| 03/05/2017 |
Yes |
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- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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Mid Michigan Credit bureau is reporting under XXXX credit bureaus accounts that they have not verified
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| 02/19/2017 |
No |
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
|
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Collection Agency refused to accept certified Validation of Debt letter.
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| 02/09/2022 |
No |
- Debt collection
- Medical debt
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- False statements or representation
- Indicated you were committing crime by not paying debt
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|
Web |
|
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|
| 07/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
|
| 05/11/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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|
| 04/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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|
| 04/09/2018 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
|
| 01/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
|
| 10/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Referral |
|
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|
| 02/11/2017 |
No |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
|
| 11/21/2016 |
No |
|
- Disclosure verification of debt
- Not disclosed as an attempt to collect
|
|
Web |
|
|
|
| 10/31/2016 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Used obscene/profane/abusive language
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|
Phone |
Older American |
|
|
| 09/28/2016 |
Yes |
- Debt collection
- Federal student loan
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
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|
| 04/01/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
|
| 11/18/2014 |
Yes |
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
|
| 05/12/2014 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
|
| 03/04/2014 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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|
Web |
|
|
|
| 01/17/2014 |
Yes |
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
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|
Web |
Older American |
|
|
| 09/29/2013 |
Yes |
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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|
| 09/06/2013 |
No |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Referral |
|
|
|
| 07/17/2013 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene/profane/abusive language
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Referral |
|
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