Date Received: 2023-03-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Sending mail and emails about sueing me for not paying a debt I dont even have with them.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX TODAYS DATE : XX/XX/XXXXXXXX MIDLAND CREDIT MANAGEM XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Company Response:
State: FL
Zip: 33771
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: hello my name XXXX XXXX and i been disputing midland funding account number XXXX balance XXXX I dont have a contract with this money and i dont owe this company any money i request midland to delete this account from my credit report. please delete this account off my credit report
Company Response:
State: CA
Zip: 93662
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Someone else got a call about a debt at this collection agency and was told I was going to be taken to court and sued so he called me upset, I went onto the website and did a chat and asked for validation of the debt and for them to not contact anyone else other than me and gave all my correct information. I was told collection efforts would halt while they validate it and it could take up to 90 days. XXXX called him back an hour later demanding to talk to me and he gave her my number, she then asked him to have me call her instead to initiate the conversation on my end.
Company Response:
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2023 I wrote letters to multiply debt collectors Midland Credit Management, requesting the following information, Original contract with my web signature, Creditor information, name, address and phone number, payment history and itemized billing and proof of ownership. The collections agencies had 30 days to provide me with the requested information and failed to do so, therefore they should have removed the collection accounts from my credit report. Section 604 15 U.S.CODE 1681 B, Section 605A 15 U.S CODE 1681 C-1 and Section 605 B 15 U.S CODE 1681 C-2
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After I had argued for several months with XXXX over the fraud charges on my joint account with my husband, I contacted the XXXX. The XXXX XXXX XXXX finally got some matters resolved with my account. Now I've just been notified by a collection agency ( Midland Credit Management ) that XXXX charged off my account on XXXX while the fraudulent charges on my account were still being investigated. I have documentation from Midland Credit Management giving the date of the charge off and documentation from XXXX dated XXXX where they requested additional info from me to resolve the fraudulent matter
Company Response:
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response:
State: IL
Zip: 62901
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This debt is from XXXX almost 10 years old. I have attempted to settle with this company and they refuse to respond. Each time the debt is challenged and removed from my credit record, they place it back on there with a new date that is inaccurate. The debt now says XXXX, and that's not true, this debt is 9 years old.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USA 1681 Section 602 states I have the right to privacy 15 USA 1681 Section 694 A Section 2 it also states a consumer reporting Adency can not furnish a account without my written instructions 15 USA 1666B : A creditor May not treat a payment on a credit account under an open end consumer Credit plan as late for purpose
Company Response:
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to address a debt that has been reported on my credit report by Midland Funding. The company has stated that they purchased a debt that the original credit was a XXXX XXXX XXXX account that was charged off in XXXX. However, I would like to clarify that I did not have a XXXX XXXX XXXX account prior to XXXX. The name on the account in question is XXXX XXXX, which is similar to my name but it is not mine. I believe that someone may have used my identity to open the account without my knowledge or consent. I have already informed Midland Funding that the account was not mine. However, I am disappointed to learn that they are still trying to collect from the account as if it belongs to me. This has resulted in the account being reported as a collection on my credit report, which is negatively impacting my creditworthiness and preventing me from obtaining credit. Therefore, I kindly request that Midland Funding deletes this collection from my credit report as soon as possible. As I never had this account, it is unjustified and unfair for it to be reflected under my report. I would appreciate your prompt attention to this matter, and I thank you for your understanding.
Company Response:
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A