Consumer complaint received 2020-05-15
Company: Midwest Fidelity Services, LLC
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Report confirmation number : ReportXXXX Identifying information requested by company : To whom, I am writing to dispute the following information that appears on my consumer report : Dispute 1 1. Account Number or other information to identify account : Address-Midwest Fidelity Services, XXXX XXXX  XXXX XXXX, XXXX, KS XXXX. Phone Number-XXXX Phone Number-XXXX. Account # XXXX. Website-www.midwestfidelity.com. Amount- {$200.00}. 
2. Source of dispute information Midwest Fidelity Services of XXXX, Kansas. 
3. Type of disputed information : Unknown credit account, Fradulent Account, Unknown credit account, Account past Statue of limitatons. 
4. Dates associated with item being disputed reported on XX/XX/XXXX. 
5. Explanation of item being disputed : 1. I am disputing my report that includes account ( s ) with a reported name that is different than mine. My legal name is not on this account. They said it belonged to XXXX XXXX. I called on XXXX at XXXX. I spoke with a woman named XXXX who could not find the account under my name and address. She told me the company was out of Colorado. She admitted the accont was not mine then asked to have a manager me call back to resolve the fraud issue. A woman named XXXX XXXX called back at XXXX using the mobiles phone number the I had blocked for privacy. As well as the name I gave to reference in the call back. She lied using the information from the call back to falsify the debt information. I was able to prove that she was lying so she escalated the called to a woman named XXXX XXXX. She identified herself as companies acting Director. She lied about the name on the account to link me to the account. She lied about the dates on the account as the two representatives I spoke to prior to speaking with her. Gave me diffent dates, names and locations of the debts origin. Then she violated privacy rights by not verifying the account and giving out social security number as well as addresse ( s ). 
2. I am disputing my report that includes account ( s ) that have privacy violations. On XX/XX/XXXX at XXXX I was was givevn a social security number, addesses, bank account information without being verified by XXXX XXXX of Midwest Fidelity . When I asked her who gave her the private information. She claimed, it was on a check of mine, but the check did not have my name. She then claimed bank gave it to her but refused to identify the bank. 
3. I am disputing the privacy protection violation of this debt collector. A social security number that was giving out in the call with XXXX XXXX She did notverify the callers identity. She would not give the information of the bank that provided the social security number listed on the account/debt. The account in which she claimed the social security number was also on the check before changing her story. 
4. I am disputing the claim by XXXX XXXX claiming my social security number was on a check they claimed to be the check that defualted. Provide a copy of the check with the social security which XXXX XXXX number listed on it. Per the guidelines of the Fair Debt Collection Act. Send to email : 5. I am disputing my report that includes account ( s ) : I do not recognize the accounts ( # XXXX ) in question. 
6. I am disputing the debt amount listed on this account : XXXX XXXX admitted that it was one debt that Midwest Fidelity broke up into multiple accounts to do as much damage to my credit as possible. Provide the contract and llegally binding agreement between myself and Midwest Fidelity. Per the guidelines of the Fair Debt Collection Act. Send to email : 7. I am disputing the address on file with this account : It is not my personal address. Provide ID used to sign agreement between myself and Midwest Fidelity.

8. I am disputing the account : There is no contract or agreement holding me legally liable for the debt in question. Provide a copy of the signed legally binding contract between myself and Midwest Fidelity. Per the guidelines of the Fair Debt Collection Act. Send to Email : 9. I am disputing this account : The current status of this account is not correct. The report shows that I am delinquent. I have never entered any agreement with this company. Provide a copy of the signed legally binding agreement proving I owe this debt. Per the guidelines of the Fair Debt Collection Act. Send email : 10. I am disputing this account : I am the victim of identity theft and I do not recognize one or more of the accounts on my report.

11. I am disputing this account because : It was written off as ( Profit and Loss ) by the original credtitor. Which mean they were legally compensatedfor the debt they are claiming.

12. I am disputing this debt because : It was sold to a debt collector. Which means the original debt creditor was legally compensated for the debt.

13. I am disputing this account because : There is no legal binding contract or agreement between debt collector.

14. I am disputing this account because : This is account is past seven years old. XXXX XXXX XXXX XXXX never entered any agreements in XXXX or XXXX. Creditor origally claimed the debt to be from XX/XX/XXXX of XXXX. 
15. I am disputing this account because : The amount placed on the credit report is in accuate. It was stated to be {$200.00}. When contacted the original creditor claimed the debt was {$1200.00}. The debt collector broke the debt up divied the debt to malitiously cause as much damage to the credit report as possible. Harass the individual they wish to contact because they di not have legitamte accounts. Extort individuals into paying them for a debt that they do not owe. There are complaints all over the internet about this companies unethical tactics. 
16. I am disputing the new balance this account : The New {$150.00} Balalce updated on ( XX/XX/XXXX ) that was given to XXXX  as a result of a dispute. This further proves that the information Midwest Fidelity has reported is false. They are knowingly reporting false information in a attmep to truckle me. As they only updated the account when I filed a complaint. This account is not valide and needs to be removed from my file.

This company has cositanlty used misleading and inaccurate information to intimdate, pressure me into paying them money. If this company truly had accurate information, they would not need to fix so many errors in the infortiomatin they lised on the account. Midwest Fidelity has consitanly provided in accurate information regarding this account. Then change the information when I dispute it. To legitimize the account for their benifiet of profit. These are not ethincal nor are they legal practices and the accounts should be removed. Midwest fidelty is to cease and desist immediate : Midwest Fidelity and its affilates are only to contact via email :.

***Regarding the account ( s ) in queston : Please verify all the disputes in their entirty. Then provide documentation of their legitimacy. As required per consumer protection laws.

Thank you for your assistance.

Sincerely,

Company response to consumer: Closed with explanation