Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5229706
Complaint Overview
Complaint ID: 5229706
Company: Midwest Credit & Collection, INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Information belongs to someone else
State: Illinois
ZIP Code: 61801
Date Received: 2022-02-16T12:00:00-05:00
Date Sent to Company: 2022-02-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I've tried to rectify the issue with the third party creditor but they refuse to follow the law. in the past what papers were mailed to me THAT DID NOT BARE my signature of any kind that gave my express permission nor right to collect any debt from me. From : XXXX XXXX To : Midwest Collections 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 : XXXX 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.
Frequently Asked Questions
What is Complaint #5229706 about?
Complaint #5229706 was filed against Midwest Credit & Collection, INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2022-02-16T12:00:00-05:00.
How did Midwest Credit & Collection, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Midwest Credit & Collection, INC.?
Yes, visit the Midwest Credit & Collection, INC. company profile at readthecomplaint.com/company/midwest-credit-collection-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.