Date Received: 2023-05-22
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: please i need help i been sending disputes and nothing has change i need this to be resolved. Im trying to buy a house and i have damages on my credit report and things in my credit report that is not mine. According to the law 15 USC 1681 there should not be any damage on your report this is a defamation to my character.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I disputed the completeness and Accuracy of this collection on my consumer report and it has come back verified. I do not believe that Midland Funding, LLC. properly investigated this account because there are obvious inaccuracies. The account has been re-aged by XXXX and XXXX. XXXX is reporting the date of last activity as XX/XX/XXXX while XXXX has reported XX/XX/XXXX. This is a clear XXXX difference and once again it is IQ Midland Funding , LLC 's job to make sure this information is correct by conducting a proper investigation. Midland Funding, LLC. has violated 15 usc 1681s-2b of the fair credit reporting act. Since they have verified this account as accurate and there are obvious inaccuracies they failed the 5 duties of a furnisher when receiving a dispute which are all violations from each credit reporting agency they are reporting to. Midland Funding, LLC. has also Violated Cal. Civ. Code 1785.25. They are knowingly furnishing inaccurate information which is a {$5000.00} violation per credit reporting agency they are reporting to. I also sent them a letter exercising Cal. Civ Code 1785.30 where they are required to correct any inaccurate information from my consumer reports and they have failed to acknowledge my request.
Company Response:
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management has called me repeatedly, all times of the day, and weekends. I have asked Midland Credit Management to stop calling me but they continued to call from private and unknown numbers. I arrived home XX/XX/2023 and found a XXXX envelope on my porch and the contents contained information from Midland Credit Management threating to sue me. Prior to the delivered package, I have asked for Midland credit Management to send me a contract between them and myself; including my wet-ink signature. But they have yet to provide me the information.
Company Response:
State: MI
Zip: 49548
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland crest collection agency brought debt from XXXX XXXX Bank. That I see on my credit report. They say there were payments made. If I was supposedly making payments why would I just stop?? I stated multiple times that I am a victim of identity theft sent them the police report and they are still calling me. Im not responsible for any debt through XXXX XXXX Or midland credit.
Company Response:
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
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 and XXXX XXXX have re-added to my XX/XX/XXXX XXXX and XXXX credit report after removing the credit line due to fraud in XX/XX/XXXX when I supplied police report and documentation in XX/XX/XXXX. My score dropped over a XXXX points and Ive disputed this again but every XXXX or XXXX years they sell my information from this XXXX and XXXX accounts and re-add it to my credit reports after Ive supplied proof of these accounts not being mines but fraudulent accounts repeatedly.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The company, Midland Credit Management has incorrectly reported the original balance on their tradelines on my credit report to each credit agency, XXXX, XXXX, and XXXX. This has occurred the entire time they've had a tradeline on my credit report. There are two tradelines. I've brought this to their attention and they refuse to help.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX do not owe this company any money. Im requesting they ceast and defrain from all communication and I understand this company is a debt buyer. I do not have a contract with this company so that means they need to delete this account from my credit report per fcra law. Delete ASAP.
Company Response:
State: CA
Zip: 93630
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX do not owe this company any money. Im requesting they ceast and defrain from all communication and I understand this company is a debt buyer. I do not have a contract with this company so that means they need to delete this account from my credit report per fcra law. Delete ASAP.
Company Response:
State: CA
Zip: 93630
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX to report my husband unexpectedly passed in the state of Florida, and due to big expenses, I will not be able to make the payment and would like to know if they can provide an extension for the missing payment. XXXX XXXX denied this request. Due to the loss of my husband, I saw myself without work for a period of 8 months. On XX/XX/XXXX. XXXX XXXX XXXX placed a XXXX XXXX # XXXX again my salary for the amount of {$4500.00} 10 % of my salary was deducted from my paid period until fully paid. {$4800.00} including taxes and fees on XX/XX/XXXX The Judgement was fully satisfied by court order. On XX/XX/XXXX, Midland Credit Management report this account as a Collection account with past due as of XX/XX/XXXX with a balance of {$6400.00}. Account validation was sent and no response was received. This account has been duplicated on my credit report one account under XXXX XXXX XXXX and the other under Midland Credit Management. Please see attached documents.
Company Response:
State: VA
Zip: 235XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately MIDLANDCRE XX/XX/XXXX Balance : {$440.00} {$440.00} XXXX XX/XX/XXXX Balance : {$16000.00} XXXX XXXX XXXX XX/XX/XXXX Balance : {$440.00}
Company Response:
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A