Date Received: 2023-07-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MIDLAND CONTINUES TO CONTACT ME BY MAIL AFTER THE ACCOUNT HAS BEEN DISPUTED. I HAVE REQUESTED A COPY OF THE CONTRACT THAT BINDS MYSELF AND THE COMPANY XX/XX/2023 IN RESPONSE TO MY REQUEST MIDLAND DID NOT PROVIDE ME WITH MY REQUEST WITHIN 30 DAYS. MIDLAND CONTINUES TO REPORT INACCURATE TO THE CREDIT BUREAUS. ALL INFORMATION REGARDING THIS ACCOUNT NEEDS TO BE INVESTIGATED ACCOUNT # XXXX CREDIT CLASSIFICATION- RETAIL DATE OPEN XXXX FIRST DELINQUENCY XXXX DELINQUENCY DATE BEFORE THE ACCOUNT WAS OPENED? THE CREDIT BUREAUS ARE RE-AGEING THE ACCOUNT WITH AN UPDATED THE BALANCE DATE WITH NO ACTIVITY
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After looking at my credit report I noticed a entry on my credit report that does not belong to me and this derogatory entry stems from Identity theft. The account was opened in XXXX of 2020 and the fraudulent balance is {$730.00}. I haven't called the company, however I did file a police report and identity theft report that I mailed out to the credit bureaus.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have no knowledge of this account I am not liable for any debt with Midland credit Management inc collection system I do not have a contract with this company they did not provide me with the original contract as requested they continue to report negative and inaccurate information on my credit report which violates the FCRA
Company Response:
State: NC
Zip: 27103
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Company Response:
State: FL
Zip: 34668
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Midland Credit Management has repeatedly called for a debt they refuse to identify including at my place of business which I have told them i can not accept calls at.
Company Response:
State: PA
Zip: 17901
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of identity theft it seems as though someone has used my information and has opened things in my name. I need these unauthorized items to be locked and removed from my credit report completely as it is hindering my life tremendously. I am mentally drained and hurt by this situation. Can you please help me immediately I am begging you!
Company Response:
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit had called in past, were told I owed them nothing and had no debt. And they didnt have the correct pho e number. It continued for a while then stopped. They have since began to call once again.
Company Response:
State: NY
Zip: 13212
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent Midland credit a certified letter pertains to the fraudulently 2 collections on my credit file XXXX and XXXX. I ask for them to send me the purchase agreement regarding these collections. I have gotten no response and I want the fraudulent action to be removed from my credit files. They are in violation of the FCRA and my rights. They have been given multiple chances and have failed to comply. This is my final request!
Company Response:
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Spoke to midland credit reacting am old account in my name with an old address where I did not reside at the time of the debt and since stated they had served me documents which I never signed for or received now they have wage garnished me thru my job. Ive requested for them to stop and dispute and they are not helping me all info Is incorrect
Company Response:
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The debt collection agency Midland Funding. Has has a negative collection account on my credit report for a few years that has a negative impact on my credit score and the account has been disputed several times on XXXX, XXXX, XXXX but it came back verified each time and the balance history is completely incorrect so it should have been removed long ago. Ill include the balance history which goes up $ XXXX each month and it increased almost {$400.00} in XXXX. Below is the name of this collection agency, account number, inaccuracies. Again this was verified by all 3 credit bureaus & Midland Funding several times so it should be automatically removed from my XXXX, XXXX XXXX XXXX XXXX credit reports immediately. Thank you for your help in this matter I hope its now taken care of. MIDLAND FUNDING Date opened XX/XX/XXXX XXXX $ XXXX stated {$1800.00} on my credit report. Account numberXXXX Account type XXXX XXXX Date XXXX Status- Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$1800.00} Highest balance {$1800.00} Balance History Balance history- inaccurate XX/XX/XXXX, XX/XX/XXXX, XXXX added almost {$400.00} to balance, XX/XX/XXXX, & XX/XX/XXXX All inaccurate dates and information. XX/XX/XXXX {$1800.00} XXXX XXXX {$1800.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00} XX/XX/XXXX {$1400.00}
Company Response:
State: NY
Zip: 14150
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A