Date Received: 2023-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft back in 2014 were my social security number was compromised and resulted in someone falsifying my tax reporting. I have been battling multiple accounts and items that I have had no knowledge of or relationship to speak to the debt accumulated. This is hurdling me in many areas of my life and I have tried multiply times to dispute these claims, but no resolution has been made that will allow me to move forward with my life from this point forward.
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
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 AND UNDER THE FDCPA I HAVE RIGHTS. I HAVE BEEN VIOLATED BY MIDLAND FUNDING ACCT # XXXX. 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 possession of my Non-public Personal Information. THIS IS A BREECH OF PRIVACY ACCORDING TO XXXX ACT, FEDERAL TRADE COMMISION THE ( FTC ). 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 COLLECTION ON MY CONMSUMER REPORT. I WAS DENIED A EXTENSION OF CREDIT RECENTLY DUE TO THIS COLLECTION ON MY CONSUMER REPORT THAT MIDLAND FUNDING REPORTED. 1. MIDLAND FUNDING THIS IS YOUR NOTICE TO DELETE THE COLLECTION FROM MY CONSUMER REPORTS 2.THIS IS MY 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 ON XX/XX/22 I SENT THE CFPB A DISPUTE ABOUT YOUR VIOLATIONS AND TOLD YOU THEN THIS. MIDLAND FUNDING YOU ARE IN VIOLATION OF 15 USC 1692C. YOU HAVE VIOLATED MY FEDERAL CONSUMER RIGHTS AGAIN 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 ) TO ( MIDLAND FUNDING ) WITH 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 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX. THE FAIR DEBT COLLECTION PRATICES ACT ( XXXX. ) AND THE FEDERAL TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM DEBT COLLECTORS THAT VIOLATE, AND CAUSE DAMAGES LIKE I HAVE RECIEVED. 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 AND PROHIBITTED FROM A EXTENSION OF CREDIT FOR HAVING THIS " MIDLAND FUNDING COLLECTION # XXXX '' ON MY CONSUMER REPORT. 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 MIDLAND FUNDING ARE NOW IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK FEDERAL JUSTICE, AND 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 ACCT # XXXX " FURNISHING THIS ALLEDGED DEBT ON MY CONSUMER REPORT YOU ARE DAMAGING MY CONSUMER REPUTATION. AGAIN I WAS DENIED A EXTENSION OF CREDIT DO THIS COLLECTION ACCOUNT ON MY CONSUMER REPORT. AGAIN WE HAVE NO CONTRACT. I DONT HAVE 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 COMPENSATION DO TO YOUR VIOLATIONS OF THE FDCPA THATS {$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 {$2000.00} FOR DAMAGES ACCORDING TO THE FDCPA IN A CERTIFIED CHECK TO MY MAILING ADDRESS XXXX XXXX XXXX IOWA XXXX, IA XXXX. THEN DELETE THIS COLLECTION FROM OFF ALL MY CONSUMER REPORTS IMMEDIATELY. MY FEDERAL CONSUMER PROTECTION RIGHTS HAVE BEEN ESTABLISHED BY THE F.D.C.P.A, FCRA, FTC, CFPB. FEDERAL LAW IS TO BE COMPLIED BY THIRD PARTY DEBT COLLECTORS ( MIDLAND FUNDING ) MUST FOLLOW THE FEDERAL LAW. DELETE THIS COLLECTION NOW AND MAIL ME MY CIVIL DAMAGES I AM ENTITLED IN A CERTIFIED CHECK WHICH I AM DUE IMMEDIATELY UNDER THE FDCPA FOR MIDLAND FUNDING VIOLATING MY CONSUMER RIGHTS. IM ASKING FOR THE CFPB TO REGULATE THIS SITUATION AND ALSO LOOK AT THE PRIOR REPORT I HAD FILED AGAINST MIDLAND FUNDING TO THE CFPB REPORT # XXXX IT WAS SENT ON XX/XX/22. YOU WILL CLEARLY SEE THE FDCPA VIOLATIONS IN THIS CASE AGAINST MIDLAND FUNDING.
Company Response:
State: IA
Zip: 52240
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Reporting false and inaccurate information
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have new and updated information in regards to complaint number XXXX. Midland Credit Management did not provide sufficient information in response to my notice and Cease and Desist. They are also still reporting negative information that has been disputed on my consumer report which is causing me more harm and stress due to being unable to rightfully utilize my credit. This information is misleading and deceptive
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On multiple occasions, I have used the legal protection afforded to me as a consumer by The United States XXXX. I have filed multiple complaints through the CFPB stating Fair Debt Collecting Practices Act laws that MIDLAND CREDIT MANAGEMENT , INC has not abided by. I have mailed an Affidavit of Facts and have not received a response which has to be rebutted line by line with facts. Attached to the affidavit are exhibits with my proof. MIDLAND CREDIT MANAGEMENT, INC is not above the law. They are required by XXXX to follow the laws that have been written by XXXX. Not only does MIDLAND CREDIT MANAGEMENT , INXXXX not follow the laws created by XXXX, but they also threaten me and use profane language against me. I have been threatened with legal action multiple times. This is unfair and defamation of my character. My consumer credit report represents who I am. I have lost job opportunities and I have proof.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management calls me several times a day. Agents on the line use abusive nasty language. I have had agents call me and hang up in my face. I have asked that the company verify the debt and they just argue with me that it is my debt when I have repeatedly advised that it is not my debt. Midland Credit Management has refused to validate the debt or provide proof of the debt. I have been told that the amount that I woe is for {$690.00} however I dont know who they are collecting for and what the debt is for. Once again they have provided any information that this debt belongs to me. The last time that they called was 6 times today, XX/XX/2023
Company Response:
State: NV
Zip: 89117
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: I ask to have my account verified and they did they stated everything was accurate which it wasnt after doing my own thorough research myself and found several inaccurate information on my report which they claimed was verified and obviously did not, my account reflects that this account was open in XX/XX/XXXX which is incorrect This account was open, XX/XX/XXXX which giving me a unfair chance on path to better credit and if this doesn't get resolved by being remove from my report ill be forced to take this to court In accordance with the Fair Credit Reporting act. The Listed accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : Midland Credit Management Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXX 2023- opened a collection. Account -- XXXX {$5200.00} that I owe MIDLAND CREDIT MANAGEMENT. I have never signed any written document saying that I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. I do not know who they are and have not written consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all three credit bureus. I do not owe this debt to this collector and have not written consent. Please remove collection from my credit report.
Company Response:
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: XXXX XXXX credit card for {$2000.00} is from over 10 years old. Also a XXXX XXXX card for {$400.00} is more than 10 years old. I have said they are byond the statue of limitations and collection is to be ceased. They continue to call and harass me. They try to get me to login to see what the debt is for without communicating it to me.
Company Response:
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a letter from Midland Credit Management stating that I owe a debt in the amount of {$740.00}. I was informed that the Original Creditor was XXXX XXXX XXXX. I never opened an account with XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX and the stated I allegedly opened an account back in XXXX. Midland Credit Management is reporting that I opened this account in XX/XX/XXXX. During this time I was in Texas performing my duty with the XXXX. This is heart breaking to find out.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A