Date Received: 2023-07-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 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 account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland credit- is charging me for a gym membership during Covid. XXXXXXXX XXXX Someone made purchases with my information. I called the credit company about it. Now im paying XXXX for a total of XXXX to avoid a judgement on a account I never signed up.
Company Response:
State: FL
Zip: 32778
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The company response does not meet requirements of validation. I have requested validation of debt ownership of account and not replied with validation requested.The dates being reported on credit report.Although company is stating they have purchased the account, that litigates and agreement between them and the third party not me and Midland Credit Management. Theres no contract nor agreement which I have repeatedly requested and I am not applicable by law to make any payments to them as I have no knowledge of the account and am positive of no contract existing between me and Midland Credit Management nor how they have violated my right to privacy by obtaining my information by way of identity theft. Furthermore they do not have a right to report such erroneous information on my credit report.So if this is not removed from my credit report at once I will proceed further legal action of my own! I would like the reporting of this account to cease and desist immediately!
Company Response:
State: FL
Zip: 33625
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I receive my final bill from the original creditor XXXX XXXX in XX/XX/XXXX. The due date for the bill was XX/XX/XXXX in the amount of {$55.00}. The bill was paid in full and the credit card account was closed. Soon after I started receiving bills in the mail associated with this same closed account. This has been going on for XXXX years and XXXX XXXX dont even have my payment history in their system anymore to prove what I am saying about paying off my account. XXXX XXXX was contacted on XX/XX/XXXX. Midland funding was also contacted on XX/XX/XXXX of XXXX and the amount in their system as well as the amounts from the bills that I have do not match up. I am trying to get this off of my credit as soon as possible.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
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: 33172
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I dont know whats going on. I dont know who midland credit management is, but theyre reporting an alleged debt to my consumer report.
Company Response:
State: MO
Zip: 64118
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Funding LLC - a debt collection agency have been harassing me for more than 5 years regarding an account fraudulently opened under my name and somehow connected to XXXX XXXX in the amount of {$1900.00}. They repeatedly call odd hours in the week and have reported inaccurate data to the credit bureaus. I have requested multiple times for the original contract/documentation referencing the so called owed debt with my affixed signature and yet to receive response. I am filing this complaint because they have managed to dent my credit with inaccurate information and are possibly doing the same to vulnerable individuals. Midland Funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone : XXXX
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXXXXXX Dear Creditor : XXXXThe account appearing on my credit report does not belong to me and was not opened by me. Original Creditor debt was removed from credit bureau reports during prior investiations. *** Per California State XXXX Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act I am requesting evidence of the following : 1. A copy of the contract and/or other document/agreement related to original debt. 2. A copy of the contract and/or document evidence of debt agreement. 3. A copy of ALL original debt documents with indicated social security number used to open account. I did not open the above referenced account. This account was previously disputed with the original creditor and credit bureau XXXX onXXXX due to fraud on Report No. XXXX XXXX and XXXX deleted the item from my credit report after its investigation. The original debt account did not reflect my actual social security number, but instead a variation of my social security number opened by someone other than myself. I request that documentation as requested be sent to the address below. I also I request that all Midland debt entries be removed from my XXXX, XXXX, and XXXX credit reports as this debt was not initiated nor belongs to me per Fair Credit Reporting Act/California Consumer Credit XXXX Agencies Act . XXXX cc : XXXX, XXXX, XXXX
Company Response:
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I disputed an account on XX/XX/2023 with a debt collection agency ( Midland credit management ) and told the credit bureaus to " investigate '' this account and ask the debt collecting agency to provide verified evidence of proof that they have a contract with me to collect money from me they failed to properly investigate my case and did not provide me with an actual signed and verified contract that I owe midland credit management inc money. According to the FRCA The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics ', or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not properly investigate according to the law. Also every piece of information on these accounts are still not reporting 100 % accurate information and according to the FRCA 15 USC1681 everything must be 100 % accurate.
Company Response:
State: CA
Zip: 94580
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Requesting contract with my authentic signature that started this alleged debt from Midland Credit Management. I am within my rights by requesting this document.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A