Date Received: 2023-05-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Threatened with legal action to recover debt that is not that old. Would have been willing to settle debt however the company is trying to charge me more than I beleive is owed for the cards. Willing to settle this debt for more than half of what they claim is owed.
Company Response:
State: MI
Zip: 48047
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Re : Validation and Proof of Claim As I have no account with you, nor am I your customer, nor have I entered in a contract with you, nor does this debt exist I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : MIDLAND FUNDING LLC {$1400.00} Dollars 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business in my state. 5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter. Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed. This Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. In addition, this Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. Moreover, this is a request for information only, and is not a statement, election, or waiver of status. I look forward to your prompt reply. I am insistent that you also send a copy of this dispute to the original creditor, so that they can understand a 1099c loss of income was filed with IRS, so this debt doesnt exist, nor does it report on my Credit. I further insist that if you remove the garnishment, before I expose to the judge the fraudulent actions against consumers the Company participates in. 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 an account without my written instructions.
Company Response:
State: MI
Zip: 48180
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I just have received a Debt Collection letter from the company called MIDLAND CREDIT MANAGEMENT, they said I owned {$1500.00} for XXXX XXXX and I will be suited if I do not paid in full by XX/XX/. However, I received this letter was on Tuesday which was XXXX The most important thing is, I do not identify this amount.
Company Response:
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I owed a total of {$790.00} to Midland Credit Management, and reached a settlement for a one time payment of {$670.00} to settle the debt and close the account on XX/XX/XXXX. The confirmation # for that is XXXX XXXX XXXX. However, they continue to claim I still owe them {$110.00}. I do not owe them this as we reached a settlement, however they are refusing to close it. I have contacted them multiple times, the last being dated XX/XX/XXXX to resolve this issue but to no avail.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The office of XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Arizona while contacting my about a debt in collections for Midland Credit Management sent me information ( Full name, Address and act numbers and Original creditor statement ) belonging to someone else. And only sent a cover letter with my name on it. If I received someone elses acct information then someone else received mine. This is not acceptable.
Company Response:
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I didn't give this company the authority to access my credit file. I never conducted business with the company. However, this company has access to my personal information. I sent a letter to the company and haven't received any response.
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit report on XX/XX/2023, the account does not reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed. I do not believe the account belongs to me nor do I belleve that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Company Response:
State: NC
Zip: 28304
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX and this my first formal complaint against Midland Credit
Company Response:
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A