Date Received: 2023-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within four days upon receipt of this correspondence. I have recently obtained a copy of my credit file, and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be removed entirely and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : 1. XXXX XXXX XXXX Kind regards, XXXX XXXX Enclosures : Identity Theft Report, FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 )
Company Response:
State: OH
Zip: 44122
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XX/XX/XXXX I started a dispute via XXXX, with XXXXXXXX XXXX XXXX in regards to, a credit card they stated I owed {$690.00} for. However, I had never received any such card, dispute was resolved and therefore the charge was subsequently deleted from my credit report profile. on XX/XX/XXXX the charge of {$690.00} reappeared on my credit report under Midland Credit Management who listed the origin as XXXX XXXXXXXX XXXX, I have attempted to dispute this again via XXXX to no avail. XXXX XXXX XXXX dismissed the charge and removed it from my credit report in XX/XX/XXXX and in XX/XX/XXXX, nearly 8 months later it returns as a collection. If a charge is disputed and subsequently deleted they can't just resurrect it, sell it to a collection agency, and attempt to charge me with it a second time, that's no different than double jeopardy!
Company Response:
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XX/XX/2022, I received a Writ of Execution ( money judgment ) and a Notice of Levy Execution ( money judgement ) legal document in the mail. I was not aware I owed any debt yet I received legal documents from Midland Funding Attorneys. I didnt know what to do at all until I did some research and found that I was supposed to be given a notice of debt before hand with option to dispute. I was never sent any notice of debt from Midland Funding or XXXX XXXX XXXX so I was not given a fair chance to fight this. This debt is not mine I need to be able to dispute it and prove I never had this XXXX XXXX XXXX XXXX. This levy is saying they will garnish any wages I get even though I do not owe this debt and wasnt given an option to dispute.
Company Response:
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2023-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I noticed some incorrect information on my XXXX account regarding two debtors. I contacted them both via USPS mail. On XX/XX/XXXX, I received correspondences from one of the debt collectors in which I have provided a copy of a true and accurate document sent to myself by the debt collector ( XXXX ). I am arguing the amount and account opened under my name. I do not own this debt. I have also attached a copy of the letter I sent to both debt collectors in response to the discovery of the incorrect information on my file. The debt collectors have posted negative reporting 's on my credit report and have had attorney firms contacting me since then. report I was contacted by debt collector ( s ). I then filed dispute with XXXX. They have not investigated, but did update information. I have sent a letter to the debt collector in regards to asking for validation for debt. I have not received information requested. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-verified. Accordingly, to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly delete all information that is inaccurate, incomplete or can not be verified. As I am POSITIVE you are aware, as an injured consumer, UNJUSTLY MIND YOU.I am lawfully within my consumer rights to ask for any and all of the above and below demands under the terms of the fair credit billing act of 1975 FCBA As the OFFICIAL notice of my official writ composed DECLARATION of not proving compliant misinformation that is either or all of the following. You must ANNUL BY REMOVING of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul miss reporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : Notation : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true and correct, complete, timely if known ownership and responsibility but also fully XXXX XXXX complainant. Provider Claims, Late Payment yet NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts otherwise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY or otherwise, irrefutable compliant, obligatory and regulatory requisite compliant reporting, thereby mandating your immediate actions to rectify and remedy, and any all in fraction-ious behavior ( s ) by retaining, or returning to DEMONSTRATED, TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatting reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE unless you can document this NOT to be CORRECT, and determine factually, and in entirely that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Company Response:
State: TX
Zip: 78589
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been disputing this collection account on my reports with Midland credit for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent written notification to Midland Credit Management requesting documentation of any contractual relationship between myself, & Midland Credit Management. This was not a request for verification or validation. This was a request for proof of contract to substantiate your claim to XXXX, XXXX XXXX XXXX, that I owe Midland Credit Management, {$760.00}. I requested any agreement with any " client '' that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. Any automated response such as XXXX XXXX, XXXX XXXX or XXXX, " verification '' is unacceptable. Certification of a contract bearing my signature can be done through the presence of a notary public, who duly swears the copy made is in fact a copy of the original paper contract in question.
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received an alleged debt notice from Midland credit on XX/XX/23, I sent Midland a Lawful notice and a declaration of fraud, to validating the debt and I received no response in the allowed 10 days noted on the notices. I informed them I have no contract with them, and they purchased the debt making them, a volunteer to paying the debt. After a debt is purchased per an attempt to try to collect or sell the debt is an act of fraud. I have the mailed alleged debt notice form Midland attached as well as my notices, sent to Midland asking for validation of the debt.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hello my name is XXXX XXXX all my identity was stolen from breach though the credit bureaus my information was tampered with my personal information, email really has been a difficult time when knowing your personal information was tamper with though a breach data.
Company Response:
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A collection agency called Midland Funding, which legally is named Midland Credit management XXXX XXXX has been harassing me and tarnishing my credit report preventing me from re establishing my credit worthiness. I've reached out to them on numerous occasions to inform them that they are trying to collect a debt that was discharged in a bankruptcy ( case # XXXX ) on XX/XX/2016. Midland Funding refuses to stop contacting me and also refuses to take the debt they they purchased from XXXX XXXX XXXX which was included in the bankruptcy discharge included debtors. As all three Credit Reporting Agencies are listing this illegal attempt to collect this debt that Midland Funding has repeatedly reported since acquiring ( wholesale bought ) back in 2016 ', and they refuse to stop harassing me and correct their illegal collection practice, they are in direct violation of both the law as well as the codes set forth in the FCRA. This leaves me no choice but to pursue my legal rights as a consumer to involve the proper financial entities to force them to cease and desist their illegal attacks against me and my credit reports. please refer to the XXXX complaint case # XXXX that has been filed and the disputes filed with all credit reporting agencies.
Company Response:
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: below in pictures you will see the hard inquiries that was put on my credit report. the only inquiries that should be on my credit report is from XXXX XXXX XXXX. also there is some collections and late pays that are on my credit. i pay my bills on time as you will see i have 100 % payment history. where the problem comes in is that my father has the same name as me unfortunlly and this has happened before. this is keeping me from getting a home loan and i have tried calling all these people trying to get it taken care of. all i want is for all the hard inquiries to be taken off and collections on the 2 midland funding accounts removed. there is also a XXXX XXXX on my credit on a auto that is also his doing. please i need some help with this please as im getting nowhere with anyone. below are the screen shots of the ones im needing help with. thanks and have a great day
Company Response:
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A