Date Received: 2023-02-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Midland creditXXXX bank XXXX XXXX accounts with Midland credit XXXX XXXX was paid in full but they refused to report it to the three credit reporting agencies and it is still open as not being paid in full. they have acknowledged the received the cheques both accounts were paid XXXX account # XXXX in the amount {$3800.00} account # XXXX amount {$3600.00} XXXX XXXX Mortgage, I have not had my Mortgage with XXXX for over 7 Years and it is still showing up on my credit report
Company Response:
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-03
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: In XXXX, after several attempts to contact me about debt collection, I sent Midland a certified letter telling them to stop contacting me. They abided until on XX/XX/XXXX my husband was called by someone looking to collect on a debt under my name. When I called back, I spoke to a gentleman from Midland who told me that the firm had tried to contact me and that since I had not responded to the mail they had sent, they had sent my case to the courts for judgment and I would be served. Then the gentleman asked that if I had received the letter, that it offered a settlement amount of {$1100.00} and would I have been interested in taking that settlement, that if I had, he said, he " might be able to catch the clerk before he filed ''. I said no and hung up. The debt, he said, was from XXXX and sold off by XXXX XXXX XXXX in XXXX. That it was for clout for a little over {$5000.00}. Today, XX/XX/XXXX, I received another call from Midland and spoke with XXXX. She also tried to go into the same script of they " had tried to reach me by mail and I had not responded ''. I stopped her to verify she had my correct address, which she repeated. I told her that was my address, that I had received nothing, and that they had tried to do this call on me before several months ago. She tried to say " there is nothing in our records showing another call ''. I stopped her there and told her to stop contacting me.
Company Response:
State: MD
Zip: 21001
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Continuing to verify Midland Fundings collection account as 120 days past late with an XX/XX/2022 late payment. This is false. I have not entered into a payment agreement with Midland Funding. Midland can not mark my collection account as 120 days past due. They are not creditors and I have no payment plan with them that would allow them to continue negatively impacting my credit with this lie.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello, I have recently been move involved in my credit and credit history. I recently noticed a collections from Midland Funding LLC for an account from " XXXX XXXX. '' I have never signed up for nor have has a " XXXX XXXX '' card. I reached out to the company to receive any type of itemized statement to review this debt and they are refusing. They said my letter was sent out in 2018, they have a previous address on file which they would not allow me to update today. The address they have on file is a XXXX XXXX address and in 2018 I was living in XXXX I am now back in XXXX XXXX, but not at that previous address. This account was defiantly opened fraudulently, and now Midland Funding is making it impossible to verify and dispute.
Company Response:
State: NJ
Zip: 07065
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear CFPB ; XXXX ; MIDLAND CREDIT XXXX ; I'm a little concerned that no one is trying to resolve this even after I've filed a police report. As I mentioned a XXXX of times to everyone, i have never opened any contractual obligations with either XXXX XXXX or Midland Credit Management group. Plus, why is my information being sold without my consent to different companies.- Isn't that breach of my consumer privacy? I've never signed any paperwork or acquired any services with either of those parties involved. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence of 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 of your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2023-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I exercised my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available, regarding inaccurate accounts on my credit reports reported by Midland Credit Management XXXX for account number XXXX by sending Method of Verification letters certified mail, return receipt requested to XXXX, XXXX, and to XXXX. To date, I have not received any compliance/information/proof or verification methods to my request within the 15 days allowed from receipt of my letters/requests in compliance with the FCRA. This account does not belong to me. I have no knowledge of this account. Unauthorized opened account. To date, Midland Credit Management Collection is reporting false information to my credit bureaus. Therefore, I expect this account will be removed from my credit files immediately. Thank you for your prompt attention to this matter.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland funding, keeps reporting different amounts to the credit reoprting agency 's every month to show activity on the account. One month they report XXXX then the next month they report XXXX. This action keeps the account showing activity. I've tried to advise them they can't keep doing this and they fail to stop or correct the problem. Midland Funding, reports the same two amounts every other month with the two amounts showing activity. They also report different balances to each credit reporting agency, to show activity.
Company Response:
State: MI
Zip: 48446
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record immediately. Because my laws have been violated! Item Number Company Name Account Number Comments 1. Midland Credit Management MCM Account # XXXX, Original Account Number : XXXX 2. XXXX XXXX XXXX, Reference ID : XXXX Account # : XXXX Under the Fair Credit Reporting Act, you have thirty ( 30 ) days from your receipt of this letter to re-verify these entries. According to this law, failure to re-verify these items within thirty ( 30 ) days constitutes reason to drop the information from my file. Also, 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, there should be no charge for this notification or for the corrected copy of my report. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. I am requesting the original purchase agreement that shows they are the legal owners of these alleged debts. Please include all the terms and conditions that are included these purchased agreements.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Collections showing on account after disput and proof provided that accounts were ex spouses and not mine. Collections showing amount owed when account is closed. XXXX loans showing when they have been paid and XXXX balance. Medical bills that were covered by insurance and provided all documentation
Company Response:
State: SC
Zip: 29020
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On around XX/XX/2022 Midland Credit Management and myself Mr XXXX XXXX came to an agreement to settle one of my credit cards debt through a plan arrangement by agreeing XXXX make payments of XXXX dollars per month since then I have no missed one payments.but I have notice my credit have not been updated since then.I tried to contact this company and they always talk me they are going to update and there never do.The reason Im contacting you is because I would like for this company to star reporting my account to the three major credit bureau for monthly updates.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A