Date Received: 2023-06-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The credit report shows : MIDLAND FUNDING original creditor : XXXX XXXX collection debt : {$660.00} date open : XX/XX/XXXX contact info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the credit bureau in XXXX after realizing that there I had been a victim of identity deft. There was multiple accounts open under my name. My identity was compromised when I became homeless for a period of 3 years from XXXX in XXXX XXXX XXXX XXXX I have been contacted by the above creditor. I have challenged their collection debt as the debt was not made by me. I was able to resolve all of the other unauthorized accounts that were open under my name except the aforementioned. I would like to obtain you assistance in this matter as I have made several direct attempts to resolve this issue with no avail.
Company Response:
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland credit XXXX XXXX bank is stating that I owe XXXX this information is false XXXXXXXX XXXX XXXX XXXX XXXX XXXX is staying that I owe XXXX this information is false XXXX XXXX XXXX is stating that I owed XXXX this information is false
Company Response:
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stoled my identity and used my name for years and this account is not mines with comenity company.there is fraud on this account and i had a bad divorce who may be there accounts take off immediately
Company Response:
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Received a letter through XXXX stating I would be sued for payment on a " debt ''. I have never heard from this company before, so the option for verification of said debt has not been allowed. The envelope also had " do not return to sender ''.
Company Response:
State: IN
Zip: 46168
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland credit contacted me about a credit card debt that was XXXXischarged. I told them it was not my debt and I had resilient it with the credit card company. They continued to harass me after phone calls where I requested to be taken off their call list because the debt was not mine. They took me to court without any summons or notification of court dates and was awarded a judgment because I was not present.
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2017 Midland Funding opened a collection. Account # : XXXX XXXX $ that I owe 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 no 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 bureaus. XXXX XXXX
Company Response:
State: ME
Zip: 04106
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Company sent a summons to my house. On the court date I had XXXX so of course I did not show up. Never heard from company until they garnished my granddaughters savings account.
Company Response:
State: KS
Zip: 66104
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XX/XX/XXXX : I received three phone calls from family members and old boyfriend stating that a company was calling to deliver a message to XXXX XXXX ( my maiden name ). After the last call I then received a call from XXXX XXXX stating they were calling me to give me a phone phone number I needed to call immediately XXXX. I called the number and was informed that I was going to be served and sued for a XXXX debt of XXXX dollars. I explained that this debt was one I was unfamiliar with and was XXXX XXXX XXXX. I explained that I was currently under bankruptcy and said debt was never sent to my home or via email. She told me there was nothing else I could do.
Company Response:
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: In 2019 I went to get some money out my account just to be told Midland Credit had a judgement against me. I was never served by Midland credit or my bank huge federal credit union. At the time they said l owed XXXX. They took XXXX out my account. I have a court date on XX/XX/XXXX. Its for garnishment. The person they served was not me. I filed a few motions explaining to the judge its not me. The judge goes pay the money. During the time this went to collection l had servers l accounts that someone hacked into including my bank account.
Company Response:
State: AZ
Zip: 85712
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX a letter was sent to me from Midland Credit Management claiming that I owed {$500.00} for a a XXXX XXXX XXXX XXXX 's account. Per the FCRA, I should have had 30 days to dispute these claims but the letter gave me until XX/XX/XXXX, however didn't even receive the letter until after that date. I sent in my dispute and it was received within 30 days of the date of the original letter on XX/XX/XXXX. I included tracking and signature required on the dispute letter to Midland Credit Management. And the proof of delivery on XXXX 's website, states it was delivered to their mailroom and signed for in XX/XX/XXXX. I did not hear back from Midland Credit Management regarding the dispute and none of the information I requested was received. The only thing I have received from Midland Credit Management was another debt collection letter dated XX/XX/XXXX. From the date my dispute letter was received by Midland a credit Management XX/XX/XXXX to the date I received my next credit collection letter ( not verifying the debt ) on XX/XX/XXXX. that is 55 days. The FCRA says that if a debt can not be verified in 30 days then all collection activity must stop until it is verified. Midland Credit Management violated my rights by sending a second collection notice on XX/XX/XXXX without first verifying and responding to my dispute on XX/XX/XXXX.
Company Response:
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A