Midstate Collection Solutions, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
05/06/2020	Yes	Debt collection Medical debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	GA 30331	Web
I have NO contract with this debt collection service the original debt was discharged and balance was paid by Medicaid which I have had for 20 years. I am a secured Party Creditor and I have tried contacting the company and it's CEO XXXX XXXX via email and mail requesting the following : " I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti- Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account. NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further. 6. You agree to pay all fee schedules. Please Note : I wish to deal with this matter in writing and I do not give your organisation permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under XXXX XXXX 's XXXX XXXX XXXX. '' They have yet to respond or remove negative remarks from my credit report
05/19/2015	No	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	IL 62226	Web
My name is XXXX XXXX XXXX and I 'm writing to you because I believe that I XXXX XXXX XXXX XXXX is violating my rights under the FCRA. Approximately three years ago, I pulled my credit report to check for accuracy. The first credit reporting agency that I got report from was XXXX. Upon reviewing my report, I noticed that XXXX XXXX XXXX XXXX had an account in collections on my report. Since I did n't understand why this account would be listed on my report, I immediately disputed the item through XXXX XXXX stating that this account was n't mines. In addition to this, I contacted XXXX XXXX XXXX XXXX to further investigate as to why this account was reporting to me since I never attended their college. While speaking to XXXX XXXX XXXX college billing department, they informed me that this was from registration in 1991. I informed them that I never registered with their college to attend because I was attending XXXX during that time. They said that it did n't matter and that they were not going to make any changes to my account. I started wondering if this was fair since the account was so old and they never place this account in collections until a few years ago. Let me be clear that this is not my account and that I never attended this school and this is not related to any student loan account. I 'm wondering why am I still dealing with account that 's over XXXX years old. I have since disputed this account with XXXX XXXX, XXXX, and XXXX with the same outcome in which XXXX XXXX XXXX XXXX confirms the account and leaves this account on my credit report. I never received any written notification regarding this account in XXXX years and yet it 's on my credit report. I feel as if I 'm a victim of this college violating the fair credit reporting act. I was told the attorney advice to report this school to your agency to try to get some resolution and compensation for XXXX XXXX XXXX violating my rights. Here is an account that 's over XXXX years old and yet every time they validate this leaves this account registering as a negative item on my credit report. I am asking at this time for some resolution in resolving this matter. Should you need to speak with me further regarding this matter, you may contact me via phone at XXXX, by e-mail @ XXXXXXXXXXXX or by mail @ XXXX XXXX XXXX XXXX XXXX, Il XXXX
10/27/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 61820	Web	Servicemember
I noticed on credit report I keep getting the same debt reported it is on my experience account 3 times for XXXX XXXX XXXX. I do not owe this amount to XXXX XXXX of XXXX Il XXXX. I am being charged after giving correct amount of days notice before the new lease was signed and date on signed lease is XX/XX/2020 when I was in North Carolina and I have plane tickets to get prove they falsified the document due to I have flight information of being in North Carolina not in XXXX IL AT XXXX XXXX OWNED BY XXXX XXXX I later learned. This was built with funding from the state and suppose to be low income housing I do not owe due to giving 60 day notice before the new lease that shouldnt have even taken effect because I had already given 60 day notice to them back in XX/XX/2020 left XX/XX/2020 And paid up for XX/XX/2020 With XXXX deposit on file and then they charged me for carpet cleaning XXXX This is a horrible place to live considering the pushy manager requiring me to sign lease when under distress of being under condition of XXXX and in process of needing XXXX XXXX from 2 falls at the building for to ice on wooden stairs at the bottom. When I know that you have to give someone the abilty to move if can not get up and down stairs XXXX XXXX and XXXX XXXX But still was {$420.00} and will even send you to collections when only on XXXX and no job And unable to keep using stairs due to medical reasons and they are suppose to help low income. What no concerns for residents or the medical health or mental health as harassing me to sign a lease when under stress of decisions of XXXX XXXX stairs living alone and only laundry on first floor Ridiculous management Even had a maintenance person get arrested on property for assault of a resident while living there over a broken childs toy the maintenance man broke this even made the XXXX XXXX and review newspaper. Cops came and arrested him in front of the office he was still there but manager had already left for the day. This place may be nice apartment on inside and outside but Management says one thing but does another Asking to sign leases ahead signing wrong date actually falsified information But XXXX just doesnt want to help either even with problems with manager or apartments even though they own it!!!
03/06/2018	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 624XX	Web	Servicemember
XXXX XXXX XXXX PO BOX XXXX XXXX, IL XXXX ( XXXX ) XXXX, filed a small claims lawsuit against me approximately XX/XX/XXXX-XX/XX/XXXX. The information reported was incorrect and a counterclaim was filled. On XX/XX/XXXX the collection agency ( Midstate ) admitted to the error and requested I only pay the amount of the initial bill and they are recusing themselves of responsibility and declining to collect any collection fees. The initial bill was for {$5600.00}. This was done before my insurance had even settled with the hospital, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX the error was addressed Midstate requested I drop my counterclaim and pay the amount of the bill {$2500.00} ( this was the total amount due after the insurance and XXXX XXXX XXXX finally XXXX the bill ). I paid the full amount of {$2500.00} and the case was dismissed. After thirty ( 30 ) days the amounts were still showing an outstanding balance on my credit report. My job became aware of this and demanded I get it taken care of or I would be terminated. I have a no debt section of my employee contract. I called XXXX from Midstate and was told after the debt was paid is was not their responsibility to report it to the credit unions. I filed a dispute with XXXX and XXXX ( I provided all documents and court documents ). On XX/XX/XXXX I received a letter from XXXX stating the contacted Midstate and were advised the accounts are verified as accurate. I called Midstate and inquired why they would do this. I was told by XXXX all my accounts are closed and I have a XXXX balance with Midstate. She advised me to go ahead and try and dispute it again. Maybe it will get fixed this time. I have tried to fix this following all of the levels of dispute protocols. I now believe the money Midstate lost from this case has been causing them to do this intentionally out of malice.
03/09/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TN 38305	Web	Servicemember
In XX/XX/XXXX, I went to XXXX XXXX XXXX apartment hunting prior to my lease end in XX/XX/XXXX. XXXX showed me an apartment in the office building. There were 3 students living there who were to move at the end of their lease. I paid a fee est {$150.00} for credit check which he stated was required. I signed the lease for that apartment. I made arrangements with XXXX XXXX to extend my lease until XX/XX/XXXX. XXXX stated XX/XX/XXXX as my move in date. However, he called prior stating he students decided to remain in the apartment. I returned to the office. XXXX showed me floor plans for a building under rehabilitation to covert into apartments. I chose the one I wanted. He stated a new lease would be signed when I returned to pay deposit and first month rent. I was told by him before XXXX that the rehab was not complete. Every time I drove by the building I saw work was continuing. The parking lot was not complete either. For nearly a year, I was XXXX. I stayed in hotels, with my sister, nephew, friend or traveled to Tennessee to stay with my son. I constantly called about the apartment and told it was still under rehabilitation. I never paid anything other than the credit check fee, saw the apartment, received a key, signed a lease for it or informed it was ready to move in. I was making all the contacts. I learned of the collection in XXXX when I applied to refinance my mortgage at XXXX XXXX. XXXX told me after I told what happened with the mortgage that he was contacted. He was with when XXXX showed me apartment in his office building. Regarding XXXX. XXXX ( XXXX XXXX, acct. # : XXXX ) for {$1200.00}, I do not owe that amount if I owe anything. I maintained my same cell phone number and have/had accounts with XXXX XXXX XXXX XXXX
02/16/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61801	Web	Servicemember
in the past XXXX XXXX 2021, I disputed this and the failed to sen me anything with my signature stating that i owe them any debt. still they insist on reporting false information defaming my name to credit bureaus. From : XXXX XXXX To : Midstate Collections Solutions XXXX Subject : NOTICE OF DISPUTE AND DEMAND FOR VERIFIED DOCUMENTATION FAIR DEBT COLLECTIONS PRACTICES ACT ( FDCPA ) FAIR CREDIT REPORTING ACT ( FCRA ) ACCOUNT NUMBER : XXXX ALLEGED DEBT : 730.00 To whom it may concern, This is XXXX XXXX writing in regards to the unpaid debt on the derogatory account listed above, which I intend to dispute and attempt to correct your records. By sending this letter I both dispute the validity of this alleged debt as well as the validity of claims against me. Please be aware and understand that any and all information that I receive from you will be used and collected as evidence should any further actions be necessary. Also be aware that non-compliance with my request could put your company in serious legal trouble. According to the FDCPA, I have the right to request validation of alleged debt or competent evidence that bares my signature that shows I have a contractual obligation to pay your company. I hereby DEMAND that your company provide me under penalty of perjury with the following verified documentation : 1. Both front and back of original alleged contract/ agreement/ promissory note in its entirety, including any application. If requested files cant be provided then your claim violates 15 U.S. code 1692 and U.S. code 1592 and I demand that the claim of alleged debt owed be removed from all credit bureaus in 30 days of the XXXX.
02/01/2022	No	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60409	Web
This company has committed fraud and aggravated identity theft by acting on my behalf with my private data pursuant to 18 USC 1028. They brought my data from a defaulted note purchased from XXXX XXXX XXXX XXXX ; buying defaulted notes is a violation of UCC 9-110 and UCC 2- 401. As a private natural person consumer I have ben violated. They use the Credit Reporting Agencies to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with MIDSTATE COLLECTION SOLUTIONS. This company has used my data without authorized use which is a violation of 15 USC 1602P, to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). MIDSTATE COLLECTION SOLUTIONS can not and will not ever produce a contract between me XXXX XXXX and MIDSTATE COLLECTION SOLUTIONS because that contract does not exist.
11/14/2023	Yes	Debt collection Rental debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60609	Web
Collection : MIDSTATE COLLECTION SOLU In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antidotes the report by more than seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.
12/20/2018	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61761	Web
I disputed this fraudulent debt with Midstate Collection Solutions Inc. numerous times. Please note that I have downloaded a couple of the Dispute Letters as well as the latest response from Midstate Collection Solutions Inc . I simply ask that they verify and validate the debt by providing me a copy of a contract that has my signature as require by law, however they refuse to do so and only sent a billing statement of which I also downloaded. The billing statement was sent from their Attorney. I disputed this fraudulent debt with XXXX and they informed me that Midstate Collection Solutions Inc. refused to delete it. I have also included a Fair Debt Collection Practices Act Fine Schedule which clearly states the violations of which Midstate Collection Solutions is liable. I also have researched their Company and have found that there are many complaints about their NEGATIVE PRACTICES. I will mail a INTENT TO SUE LETTER once I complete this complaint. Surely Midstate Collection Solutions believe they are above the law. I also investigated a found that this fraudulent debt was created at XXXX XXXX XXXX XXXX XXXX with XXXX XXXX the date of XX/XX/XXXX. This is XX/XX/XXXX. Surely this Debt has been RE-AGED!!!
01/08/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	PA 16801	Web
I would like to report an unfair debt collection from XXXX XXXX XXXX XXXX Round XXXX XXXX XXXX XXXX IL. I had been a resident of Smile student living from XX/XX/2021 to XX/XX/2021. It was my first time staying in the United States and I was made to pay around {$1200.00} as a non-refundable deposit to Smile student living ( for the purposes of cleaning and damages once I move out ). After I moved out I was sent a notice to pay {$650.00} by XXXX XXXX student living saying it was for cleaning charges. My lease did not mention anything as such since I already paid the amount before moving in. When I asked for an itemized bill for the additional charges and the bill from the companies they claimed to have hired ( for cleaning, repair, etc ) for the said {$650.00} charges, they did not send it. A couple of months later I received a notice from XXXX collection solutions instructing me to pay it. I contacted the student legal services at XXXX and they said they would talk to the XXXX collection agency. After that, I did not receive any notices from them. However, all of a sudden my XXXX XXXX went down by XXXX points today. I do not understand what to do about the situation.
03/01/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Public record information inaccurate	IL 617XX	Web
XXXX XXXX XXXX and Midstate Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX My name : XXXX XXXX Bankruptcy : XXXX ( XXXX XXXX XXXX Illinois ) This collections entity is using data and sending informtion to XXXX and other credit agencies/repositories that lacks integrity. It reports DEROGATORY remarks and reported my Bankruptcy incorrectly. There should not be a flagged Credit Reporting issuance for Bankrptcies that are discharged for anything included ( Which XXXX was included and my attorney and the courts sent them & Midstate ALL informaiton and discharg info ) It not only impacts consumers in many aspects of their lives but violates Bankruptcy laws and Fair Credit Reporting rules and can be construed as oppressing individuals using the system to categorize, deny jobs/employement and housing and credit and other things. Credit Reporting and attorney has been contacted. The buying/selling and sharing of consumer private information and using it to target and using the credit reporting system to share data that should not be pursued in order to deter people 's future, records, collect money that was in bankruptcy should be illegal.
12/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32746	Web
DISPUTE WITH MIDSTATE COLLECTION SOLUTIONS I XXXX XXXX believes that there ar e medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in XX/XX/2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. XXXX XXXX
12/19/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	FL 32746	Web
DISPUTE WITH MIDSTATE COLLECTION SOLUTIONS I XXXX XXXX believes that there are medical collections posted on my credit bureaus where my rights under the agreement established with all credit bureaus was violated. This agreement states as follows : A medical collection can not be posted by any affiliated bureau agency until a 180-day notice has been submitted to the consumer. This rule was an agreement established to see if insurance would pick up the cost or if the cost could be factored and negotiated between the parties. At no time was XXXX XXXX given this 180-day notice and the postings of all medical debts by the subscribed collection agency is a violation of my rights agreed upon by the bureaus with the Consumer Financial Protection Bureau in 2015, as well as my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. This agency is in violation in its subscriber agreement with each pertinent credit reporting agency, and all references to any collection process must be deleted permanently on all bureaus. XXXX XXXX
09/24/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 604XX	Web
I am a victim of Identity theft/fraud. I have notified XXXXXXXX XXXX XXXX XXXX XXXX XXXX and Midstate collections several times that these accounts do not belong to me, I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent account. These accounts were reportedly opened online with someone using my ID and ss card which were both stolen and reported to the authorities years ago. Documents submitted to XXXXXXXX XXXXk : affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX and Midstate collections continue to report these fraudulent accounts on my credit report although I have provided these documents with no response from the companies or any representatives. This account must be removed immediately, as it is in clear violation of the FCRA.
01/13/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80013	Web
I was in a domestic issue with my ex-boyfriend and I had lived at XXXX apartments, he beat me up and I had to call the police to save me and my son because of this I did have to move to protect my son and myself and under the " Safe Homes Act '' in Illinois they should of never put this on my credit. I had sent in all my information to dispute the account to XXXX XXXX XXXX on XX/XX/XXXX and called multiple times and they still said it was in processing they took 31 days to finally decided what to do with it and sent it to XXXX XXXX XXXX on XX/XX/XXXX and that was day XXXX. With the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to verify the information within the 30 day time period, then they must delete all of the disputed accounts from my report. The reason they said they sent my account to XXXX is because i was out of the state of Illinois but when I sent over paperwork and started calling them on XX/XX/XXXX they knew that I wasn't in the state of Illinois.
03/19/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL XXXXX	Web
I registered, couple years ago, to take some classes at XXXX College in XXXX ( Illinois ) and I should mysellf pay my tuitions of $ XXXX.Unfortunately, I did not take those classes. Later, I received a bill from the college and went to dispute with the college direction. I was told that I have to pay it accordingly to their policy. I asked to see the policy there was nothing backing their reason. On XX/XX/2016, a mail came from a collection agency in XXXX about this matter and wrote a dispute letter in between 30 days. I did ask again the policy backing the reason I have to pay the tuition for those classes. About 40 days after my letter disputing the debt, I received a mail from the agency said that they are still investing on it and they 'll be soon in touch with me. As of today, I have n't received the results of their investigations, the agency has already sent the report to XXXX and to XXXX.
10/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60426	Web
15 U.S.C 1666B States : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
04/04/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 60432	Web
Midstate Collection Agency is in violation of the Fair Debt Collection Practices Act, and I believe that my rights as a consumer are being violated. On XX/XX/2019, I sent a second request for validation to Midstate Collection Agency and I have not received any correspondence from the collection agency in regards to my first or second request for validation. On XX/XX/2019, I spoke with a representative at Midstate Collection Agency, and I was advised that both the first and second debt validation requests were received, however, they could not provide me with any documentation to validate the collection account. Also, there is no contract on file with my signature as proof of validation. The Midstate Collection account that is reporting to the three credit bureaus is reporting in violation of the Fair Debt Collection Practices Act. Please review all call history.
04/28/2021	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 61822	Web
Midstate Collection Solutions keeps trying to call me on medical debt not owed by me. This debt is for an alleged XXXX XXXX who I have no affiliation with and it is regarding medical debt from XXXX XXXX XXXX XXXX ( XXXX ). I learned from XXXX that Midstate Collection Solutions is the only collection agency that still has my cell phone has active in their system in regards to this alleged debt. I sent XXXX a letter and followed up with an e-mail. I learned form XXXX that they also sent my letter to Midstate Collection Solutions. I followed with XXXX via e-mail and called Midstate Collection Solutions twice regarding their response to my attached letter and still have not heard from either of them. See attached letter for more details.
01/10/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 61822	Web
This company continues to update to opening date on the account, ive tried to dispute results come back same everytime, they are in vilolation 605c. This debt is 6 plus years old and they continue to update it every six months. Someone must have used my id to purchase a tv from a loan company, ive neve used such company i have foughy this debt numerous times. Finally deciding to let it roll of my credit history after 7 years, except they keep refreshing it and continueisly is hurting my credit score. I refuse to pay such a debt that i know i havent accured. Ive been working on fixing my score my bad decisions as a young man, im completely caught up besides this reoccurring issue with this company
02/27/2017	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	IL 61822	Web
From the very first contact of this company to the last contact of this company they have violated many laws. The very first time they contacted me and I told theme to stop calling. They continued to call my cell phone while I am at work and say if I do n't put it in writing they calls would continue. Second they use an autodialer which my phone number is on the do not call list which violates their laws of use of an autodialer. Third I payed off the debt and requested a payed in full receipt and they said they do n't send me one. Just a payment conformation. Fourth they are charging fees on top of the original debt which is not in the agreement of the original debt. 3 % fee attached to payment.
02/19/2018	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60188	Web	Servicemember
Collection deleted by transunion, still shows on other 2 CRA.The debt collector is refusing to comply with their requirement to report the results to the other CRAs, and will only do so if I initiate a dispute with each CRA, that is a blatant disregard of their statutory requirement. They have the obligation to correct or delete their reporting. Unfortunately, their practice is also harming me, as each dispute, while pending, decreases my scoring with that CRA until the dispute is resolved and their dispute flag is removed. Willful noncompliance of any provision of the FCRA also gives rise to civil liability on their part, with possible punitive damages. See FCRA 616.
03/01/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	IL 604XX	Web
MIDSTATE COLLECTIONS, {$1900.00}. I have disputed this amount 2 times and have been unsuccessful. I was notified that i have this collections and when i called into the original debtor ( XXXX College ), they were unable to locate me or my account in their system. They are unable to search my name via social which is a red flag to me. i request that this collections account is taken off my credit report as it is affecting me tremedously. I have disputed this about 3 times with each bureau but it still appear. Please remove this from my credit report as it is incorrect and unacceptable. XXXX
01/14/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 61761	Web	Servicemember
The company, Midstate Collection Solutions, autodialed my number and had me wait on the phone for 15 minutes, at which point I was automatically disconnected because " there [ was ] no one available to take my call ''. I waited to tell them that they were looking for the wrong person ( my credit report is pristine ), as this has happened a few times since I opened this line through XXXX. In the future, no doubt, they will be trying to reach me again and me answering the phone to let them know they reached the wrong person should only happen once.
12/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60411	Web
XXXX XXXX XXXX placed an open collection amount on my credit report for the amount of {$5000.00}. This account was opened during the time I attended college at the XXXX XXXX XXXX in XXXX XXXX I lost my college financial assistance for my spring semester of schooling and was forced to move back home. This account was opened XX/XX/2018 and has been delinquent since. This account is causing a negative impact on my credit score and needs to be removed as soon as possible. I did not give permission to creditor to sell my information to debt collector.
04/06/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 618XX	Web
Midstate collection has reported information to my credit report that states that I owe {$800.00} this company sent me a bill or a copy of a bill. This does not constitutes as proof of debt owed. I did not sign a contract with midstate collections and did not give them permission to report my personal information. They have continuously violated my rights. This is a notice that I do not give this company consent to report my personal information. I demand that my personal information be deleted immediately.
07/15/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 61761	Web
Midstate Collection Solutions, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX IL XXXXContinues to send mail showing a debt from XX/XX/XXXX and XX/XX/XXXX. They also sent a false signature on a document from XX/XX/XXXX. This is NOT MY DEBT ... Also the FCRA states that any debt over 7 years old should be deleted from Credit Reports, however MSCSI continues to report this debt on my Credit File. I disputed this Debt with the Credit Bureau, and it continues to report on my Credit File ...
10/18/2023	No	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IN 46324	Web
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
07/18/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 61820	Web
Ive sent two letters to Midstste collection. One trying to verify the debt, and the other asking for method of verification. I havent received anything from them and its been about 90 days. I also added in the letter requesting to delete the misinformed info off my credit report immediately if verification such as a written signature isnt provided. Im trying to buy a house and my loan officer stated that this negative collection is brutally hurting my credit.
08/27/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	TX 75243	Web
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 section 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 any purpose.
01/02/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 605XX	Web
When I initially noticed a collection on my credit report, I reached out to the creditors Midstate collection so. at XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX IL to validate this debt, I sent a debt validation request by certified mail XX/XX/XXXX and did not receive anything in return. I asked that this creditor notified the credit bureus of their error given there failure to validate this debt but they have not.
02/22/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60409	Web
Pursuant to 15 USC 1681a ( d ) ( 3 ) this company is in violation as in regards to Medical Information. There is no permissible purpose for this third party who I never contracted with should have my private information. I never directly or indirectly gave this company to contact me through ANY medium and using the CRA 's is a form of communication federally. As a private flesh and blood woman I was violated.
10/09/2017	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60637	Web
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.
09/15/2023	Yes	Debt collection Rental debt	Threatened to contact someone or share information improperly Contacted you instead of your attorney	IL 618XX	Web
Debt collect been harassing me and asking for my information. And I asked them if I owe the collection wouldnt you guys my info? I asked them to name one address where I previously stayed they didnt answer and threaten to take me to court, saying youll be going to jail they started calling me from no CALLER ID. Ive been scared for my life since. Ive got XXXX XXXX because of the threat.
09/26/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	FL 33881	Web	Older American
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXN FL XXXX COMPLAINT, # 1 MIDSTATE REPORTED PAYMENT OF $ 20.00,XXXX DID NOT HAPPEN, COMPLAINT # 2 MIDSTATE IS REPORTING THIS AS JOINTLY WITH MY XXXX, NOT TRUE, SHE HAD HER OWN INSURANCE. COMPLAINT # 3 FROM XXXX/XXXX/XXXX THRU XXXX SERVICE GHARGES WITH NO EXPLAINATION OF CHARGES. COMPLAINT # 4 WIFE ACCOUNT AND MINE ARE REPORTED AS THE SAME #.
11/16/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60624	Web
The consumer, who is a federally protected consumer, is here to dispute any purported claims that you are now listing as a consumer debt on the consumer 's credit report. In accordance with Section XXXX of the Fair Debt Collection Practices Act ( 15 USC 1692g ), the Consumer is requesting confirmation from you ( FDCPA ).
04/19/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	IL 605XX	Web
I tried to apply for a mortgage on XX/XX/2023 and i see that there is a collection on my credit of {$2800.00} from Mid State Collection solutions collecting on behalf of XXXX XXXX located in XXXX Illinois. I have never lived in XXXX Illinois. The account number is XXXX from Mid State Collection Solutions.
09/29/2015	Yes	Debt collection Medical	Disclosure verification of debt Not given enough info to verify debt	IL 60431	Web
I have sent several letters to MidState Collections asking for debt validation and proof I signed an authorization to release medical information ( diagnosis and treatment ) to a debt collection XXXX party. I have yet to receive validate proof and they are reporting this information on my credit report.
10/14/2023	Yes	Debt collection Private student loan debt	Electronic communications Frequent or repeated messages	IL 624XX	Web
The midstate company keeps calling about debt that was erased n 2020 then they adding it back on then I dispute it then they put n collections then o dispute again email them ask for itemized bill n XXXX they still call send no bill and then I tell them n XXXX and then they say they will send bill
03/14/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60409	Web
This complaint is in response to XXXX I mentioned the company is violating 15 USC 1681a ( d ) ( 3 ) which is the violation I was making aware in the FCRA NOT the FDCPA. I believe the company misread the complaint. The FDCPA is covered in 15 USC 1692-1692p. The FCRA is covered in 15 USC 1681-1681x.
06/17/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 30318	Web
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.
09/17/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 618XX	Web	Servicemember
original creditor and went to court and the case was dismissed by the circuit court judge. The debt was found to be no accurate. The case was dismissed. I have supporting documentation from the courts to prove it 's dismissal.
02/04/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	IL 618XX	Web
MY NAME IS XXXX XXXX & I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE THE ATTACHED DOCUMENTS AND ID AS IT CONTAINS MY FULL COMPLAINT & REQUEST.
03/04/2017	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 609XX	Web	Older American, Servicemember
Debt was paid by the department of veterans affairs, I 'm on XXXX % XXXX the VA set up and paid for this, they need to get in touch with the department of veterans affairs.
07/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 62704	Web
I lived in housing paid for by my then employer and when I left the company to move home they didnt transfer the lease into the new management leaseEs name as I was told.
01/11/2018	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 60409	Web
Opened XXXX XXXX, XXXX ( 4 yrs ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX balance {$920.00}
12/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	XXXXX	Web	Servicemember
On XX/XX/XXXX i sent a devt validation letter requesting they provide proof i signed a contract that states i owe them any sum of money.
08/23/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt is not mine	IN 46410	Web
I dropped the class and the XXXX XXXX college is saying I did n't drop the class and is charging me for the class.
05/29/2022	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	IL 60431	Web	Servicemember
I dont have debt with this company
01/27/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Was not notified of investigation status or results	IL 618XX	Web

01/03/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 618XX	Web

12/18/2023	Yes	Credit card General-purpose credit card or charge card	Other features, terms, or problems Other problem	IL 618XX	Web

10/13/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60633	Web

08/15/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	IL 61820	Phone

08/01/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60426	Web

03/12/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 61821	Web

08/25/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60901	Web

07/09/2022	No	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	IL 60435	Web

05/23/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 61761	Web

12/14/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 61853	Web

11/17/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 76105	Web

09/10/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	IL 61745	Web

07/14/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	IL 60827	Web

07/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60617	Web

03/22/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60438	Web

02/26/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	IL 60653	Web

01/04/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 62901	Web

12/14/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60624	Web

08/08/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 61820	Web

07/10/2020	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive notice of right to dispute	IL 61745	Web

01/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IL 60637	Web

11/04/2019	Yes	Debt collection Medical debt	Written notification about debt Didn't receive enough information to verify debt	IL 61704	Web

10/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 61853	Web

10/08/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 61832	Web

10/02/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 61822	Postal mail

08/23/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 61821	Phone

06/07/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	IL 60443	Web

03/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 62704	Web	Older American

09/19/2017	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was result of identity theft	IL 61821	Phone

08/08/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IL 60466	Web

07/20/2017	No	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 63137	Web

11/28/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IL 60615	Web

07/20/2015	No	Debt collection Medical	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	IL 60609	Web

02/21/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	IL 60503	Web

01/16/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt is not mine	IL 62473	Web

01/09/2015	Yes	Debt collection Medical	Cont'd attempts collect debt not owed Debt was paid	IL 61951	Web

10/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60445	Web

08/03/2014	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	IL 61953	Web

05/08/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	IL 60422	Web

03/24/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60964	Phone