Date Received: 2023-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i received a notice from the debt collectors that this bill is settled and they have not removed from my credit report..
Company Response:
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
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: First and foremost I am the consumer. A natural person, allegedly obligated to pay a debt according to 15 USC 1692a ( 3 ). This Account # XXXX is showing on my consumer credit reports as a charge-off. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer reports immediately. My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumer 's informed use of credit. At this time this alleged consumer credit transaction was entered on XX/XX/2019. I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to your Company lack of disclosure and your unfair, deceptive, and misleading practices.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Previously I filed a claim against Midland credit management and had them removed from my credit and It was granted.I received a letter in the mail from them attempting to collect on the same debt that is not valid. They was re-aging the account anthe the balance was different on XXXX, XXXX and XXXX. I have called them previously an asked then not to send any mail to my address. # XXXX
Company Response:
State: MI
Zip: 48035
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I Have several accounts on my credit report showing closed/ charged off still owing a balance deliquent etc.and I have tried to resolve these accounts several times but got no response and nothing is being done as a matter of fact there is a whole lot wrong with my credit report that is preventing me from getting anything, all three credit bueaus are not reporting the same things i have unknown unauthorized hard inquiries on my account they are reporting late payments on my account accounts that should have been off are still on showing a balance due i have sent validation letters letter form the clerk regarding my bankruptcy everything nothing is being done. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX
Company Response:
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an issue with Midland Credit Reporting for two different accounts. One is for what was a XXXX XXXX Account and the other a XXXX XXXX Account. I have tried repeatedly to get someone to explain this debt to me and show proof of it. I have proof that they did not validate debt in a timely manner. They wont answer any questions. I have requested they include the original contract and they refuse to do so. I want proof of all charges, fees owed, and contract. They refuse to do so! I have asked they provide what the money they say I owe is FOR, how they CALCULATED what they say I owe, copies of papers showing I agreed to what they say I owe, copy of a contract, proof they are licensed to collect in my state, and they havent provided any of this.
Company Response:
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've sent several disputes to this company and I have not received any proof of validation, no reply to my demands or anything. This my third time contacting this company about this account. Midland Credit Management Balance {$850.00} Opened XX/XX/2022
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Card service has continued to harass me by continuing to call from several different phone numbers and various state locations at all times of day and at least seven times in a week. The credit card debit is over XXXX XXXX XXXX and I had submitted a XXXX XXXX XXXX complaint a few years ago and all communication was ceased for two years. I recently had my information compromised as a result of the XXXX security hack and I am worried this is a scam attempted. The account in question was already charged off and was on my credit report from XXXX. Thank you for your assistances in this matter!
Company Response:
State: TX
Zip: 79938
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have no ideal what this debt is I've tried contacting the company multiple times On my credit reports it's listed as XXXX closed
Company Response:
State: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have reported it to the credit Breau I never had an account with this company. I have requested them to stop but they continue to call, daily.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
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: I XX/XX/2022, I requested a wet signature signed contract that I owe XXXX XXXX XXXX, XXXX XXXX XXXX, MIDLAND FUNDING LLC ! They have also placed a late payment on the account and the accounts are closed. If the company XXXX send a copy of the original contract with my signed signature! I WANT A removal immediately! They are reporting inaccurate information and according to the FCRA you CAN NOT please a late payment on a closed account!
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A