Date Received: 2023-07-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In written reply from Midland Credit Management were documents from both XXXX XXXX and XXXX. In XXXX document that claimed they couldn't verify the Police Report number given to me by XXXX XXXX Police Officer that came directly to my apartment door when he gave me the Report number. XXXX stated prior to CFPB complaint they had no prior response from me. Submitted with this complaint are copies of emails from XXXX verifying they received contact for me about the fact I didn't get my order. I still don't have it, nor have I requested a replacement. I had also submitted a complaint in 2020 to Antitrust Dept. of Justice XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX XXXX : XXXX XXXX
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account was original opened by XXXX XXXX the debt is older than 7 years... Please remove from my credit report..
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I did not give XXXX XXXXXXXX XXXX permission to share or sell my information with a third party company.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I AM A FEDERALLY PROTECTED CONSUMER MY RIGHTS HAVE BEEN VIOLATED BY MIDLAND FUNDING ACCT XXXX XXXXXXXX. I HAVE FEDERAL CONSUMER RIGHTS ACCORDING TO THE FDCPA. I REJECTED AND I STILL REJECT MIDLAND FUNDING OFFER TO CONTRACT. I DID NOT NOR DO I CONSENT TO ANY NON-AFFILIATED THIRD PARTY ( MIDLAND FUNDING ) TO BE IN POSSESION OF MY Non-public Personal Information. THIS IS A BREECH OF PRIVACY OF THE GRAMM-LEECH-BLILEY ACT and the FEDERAL TRADE COMMISION THE ( FTC ) CONSIDERS MY NON PUBLIC PERSONAL INFORMATION VERY IMPORTANT TO PROTECT. I NEVER GAVE MY PERMISSION TO ( MIDLAND FUNDING ) USE OF ANY OF MY NON PUBLIC PERSONAL INFORMATION TO COMMIT FRAUD BY PUTTING THIS, ALLEDGED, AND VERY DAMAGING TO MY REPUTATION COLLECTION ON MY CONSUMER REPORT. I WAS DENIED A HOME LOAN EXTENSION OF CREDIT DUE TO THIS COLLECTION ON MY CONSUMER REPORT. THE FTC HAS A STRONG STANCE AGAINST FTC PARKING It means that debt collectors can't report your debt or your supposed debt to credit reporting agencies without first trying to check with you. That's a key takeaway from the FTC 's case against XXXX XXXX XXXX, XXXX. The FTC says XXXX used debt parking to collect fake or questionable debts SO 1. MIDLAND FUNDING THIS IS YOUR NOTICE TO DELETE THE COLLECTION FROM MY CONSUMER REPORTS. 2.THIS IS YOUR 2ND NOTICE to CEASE AND DESIST ALL illegal activity and ALL communications with me and the furnishing of this false credit information ON MY consumer report which IS considered communications and ILLEGAL activity. I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information but without my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. By CONTINUING reporting this on my consumer report this alleged debt SOLD BY ( XXXX ) OF MY NON-PUBLIC PERSONAL INFORMATION TO YOUR THIRD PARTY DEBT COLLECTION COMPANY ( MIDLAND FUNDING ). I now have STRONG reason to believe that you BOTH ARE conspiring against me trying to EXTORT ME on a EXTENSION OF CREDIT through unlawful EXTORTIONATE MEANS. 18 USC 894 STATES a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. There is NO TRILATERAL CONTRACT BETWEEN US ( MIDLAND FUNDING ) CASE LAW SPEARS V BRENNAN Court of Appeals of Indiana ESTABLISHES MY STANCE SO THERE IS NO LEGAL LAWFUL OBLIGATION FOR ME TO HAVE TO PAY ( MIDLAND FUNDING ) THERE IS NO CONTRACT NOR EVER WILL BE A CONTRACT BETWEEN US. THE FAIR DEBT COLLECTION PRATICES ACT ( F.D.C.P.A. ) AND THE FEDERAL TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM 3RD PARTY DEBT COLLECTORS THAT VIOLATE, AND CAUSE DAMAGE TO THE CONSUMER LIKE YOU DID ME. FTC LAWS MAKES IT CLEAR MIDLAND FUNDING ARE IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT WHICH STATES " Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. BY MIDLAND FUNDING REPORTING THIS ALLEDGED DEBT ON MY CONSUMER REPORT I WAS DENIED PROHIBITTED FROM A EXTENSION OF CREDIT FOR HAVING THIS " MIDLAND FUNDING '' ON MY CONSUMER REPORT YOU HAVE CAUSED ME DAMAGE EMOTIONALLY BY BEING DENIED. NOW DUE TO THIS FALSE CLAIM MIDLAND FUNDING YOU ARE RESPONSIBLE AND YOU HAVE PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL RIGHT ESTABLISHED BY US CONGRESS. AND YOU ARE NOW IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT ( F.T.C ACT ). WITH THE FDCPA LAWS I DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED,, AND FEDERALLY ENFORCED UNDER 15 USC 1692e ( 8 ) is a violation under the FDCPA allows ME to sue debt collectors for false credit reporting. This part of the law tells debt collectors not to falsely report, or report something that they should know is false. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY MIDLAND FUNDING " FURNISHING THIS FALSE ALLEDGED DEBT ON MY CONSUMER REPORT YOU HAVE DAMAGED MY CONSUMER REPUTATION. I WAS DENIED A HOME LOAN. AN EXTENSION OF CREDIT AGAIN WE HAVE NO CONTRACT. I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH MIDLAND FUNDING NOR DO I DESIRE TO. IMMEDIATELY DELETE THE ALLEDGED DEBT FROM MY CONSUMER REPORT. AND BE ADVISED UNDER 15 USC 1692K I AM ENTITLED TO CIVIL DAMAGES {$1000.00} PER VIOLATION FINDINGS. AND I AM NOW POINTING OUT I FOUND FDCPA VIOLATIONS. I DEMAND MY DUE CIVIL DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED MY {$2000.00} DAMAGES FOR VIOLATIONS OF THE FDCPA IN A CERTIFIED CHECK TO MY MAILING ADDRESS XXXX XXXX XXXX XXXX XXXX, IA XXXX. MIDLAND FUNDING DELETE THIS ALLEDGED COLLECTION FROM OFF ALL MY CONSUMER REPORTS IMMEDIATELY. MY FEDERAL CONSUMER PROTECTION RIGHTS ARE ESTABLISHED BY THE F.D.C.P.A, FCRA, FTC, CFPB. FEDERAL LAW HAS GUIDELINES THAT ALL THIRD PARTY DEBT COLLECTORS ( MIDLAND FUNDING ) MUST COMPLY WITH. DELETE THIS COLLECTION NOW. AND MAIL ME MY CIVIL DAMAGES I AM ENTITLED TOO IN A CERTIFIED CHECK WHICH I AM DUE IMMEDIATELY UNDER THE FDCPA FOR MIDLAND FUNDING VIOLATING MY RIGHTS UNDER THE FDCPA. I AM ASKING FOR THE CFPB TO REGULATE OVER THIS CASE.
Company Response:
State: IA
Zip: 52240
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I spoke with a representative of MIDLAND CREDIT MANAGEMENT who called my phone several times. As I wasn't aware of the number I didn't respond initially. After several repeated calls during the week. I finally answered assuming the matter was likely important. After speaking with the representative. I realized she had little to no information in regard to the debt she specifically claimed I owed. My issue is with the communication. When ask where the credit came from. She fumbled, had no information to provide me. She then placed me on brief hold and returned to inform me that the debt came from XXXX XXXX. The representative was completely unprepared to discuss any of the information she claimed to have in front of her. There was a major lack in professionalism. I continued to inform the representative that the debt was in fact paid to XXXX XXXX yet she insisted it hadn't and when asked what information she had. She was unable to provide it to me. What perplexed me even more was she had no record of the amount owed. I had to ask her several times as she fiddled around with her papers before she could give me a final amount. I then proceeded to inform her that I would need to check back with XXXX XXXX and I would get back with MIDLAND CREDIT MANAGEMENT. She informed me to get back with her as soon as possible as this could " negatively effect my credit ''. Unfortunately, 48 hours later. The debt collection showed up on my credit report without notice. I would like it removed by MIDLAND CREDIT MANAGEMENT. I honestly do not have a problem paying the bill, but when a representative is ill informed and provides little to no information in regard to the debt she's attempting to collect. I find that highly unprofessional and somewhat disturbing.
Company Response:
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2019 a fraudulent account was opened in my name without my consent for a XXXX XXXX credit card From Midland Credit MGMT in the total amount of {$6000.00}. I've made contact with the company and opened a dispute through XXXX. This debt is due to Fraudulent actions and Identity Theft i Want all collections to Cease And Desist!
Company Response:
State: MI
Zip: 48214
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Midland Credit Management , LLC shared my nonpublic personal information to credit reporting agencies ( XXXX, XXXX, Transition ) without my permission and shared that I owe debts with them without verifying with me I owe those bogus alleged debts.
Company Response:
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Re : MIDLAND CREDIT MANAG Last reported XX/XX/2022 {$730.00} Open balance XXXX XXXX XXXX XXXX XXXX Original creditor Please send the following information used to verify the validity of : 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Company Response:
State: CA
Zip: 93313
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have dispute this remark that is listed on my personal credit file with nothing being received. I have had a lot of fraud happen to me. Isn't a company by law have to verify and validate before placing it on my credit file. This is unknown and not one single dispute has anyone even responded to. Please help
Company Response:
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A