Date Received: 2023-01-23
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX is the total amount of debt claimed to be owed to Midland credit for XXXX XXXX. legal account collections number is XXXX on their website. On XXXX XXXX I entered a payment plan via their website after learning that they were suing me by searching my name on the county court website. I was told that they would dismiss lawsuit after I entered payment plan for old debt ( not verified ), and they still have not dismissed it although I have made payments on it.
Company Response:
State: VA
Zip: 23111
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They continue to call my mother about a debt that I have disputed numerous times. They have been asked by her to stop calling. They called 7 times on Sunday and 3 times after XXXX on Monday. They shared information about the debt with someone they shouldnt have. Cease and Desist
Company Response:
State: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX DATE OPEN XX/XX/2021 XXXX {$5600.00} MIDLAND CREDIT MANAGEMENT has committed Securities fraud and Identity fraud. I never consent the using my name which is identity left. MIDLAND CREDIT MANAGEMENT has taking Securities out in my name without my consent. All debt is prepaid with my XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and XXXX. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Company Response:
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
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 recently wrote to Midland Credit Management, via certified mail, requesting the deletion of the following account : Account Number : XXXX, and would like for you to have a copy of this document as well. I would also like to initiate another dispute with you in efforts to finally remedy this situation once and for all. Midland Credit Management continues to falsely verify this account whenever I dispute this item with the XXXX XXXX XXXX, -as well as yourself, the Consumer Finance Protection Bureau , -whom is a government entity. This company has stated to all parties, including myself, that the information in which they are reporting is verified as accurate. However, this is not true! Anyone with eyes can see that the information which they are furnishing is blatantly inaccurate, inconsistent, and or incomplete! According to federal law, my credit report to be 100 % accurate and truthful, -which is sadly not the case. Midland Credit Management has been reporting this inaccurate information for quite some time, and I have spent my hard-earned money, as well as countless hours of my precious time combating this issue. I have no idea how they continue to get away with this! I have recently informed you of this matter, as well as detailed the U.S. Code violations, yet somehow, you still allowed Midland Credit Management to report that the information was verified, which allowed this item to remain on my credit report. At this point, I pose the question ; Is Midland Credit Management above the law? Why are you not ensuring that this company is following federal guidelines, regulations, and or codes pertaining to credit reporting, fairness, accuracy, privacy, etc. This matter has also taken a significant toll on my health and livelihood, which I have detailed in the attached document. I have also enclosed the pdf version of my letter to this company, as well as my credit reports which display the obvious inaccuracies and inconsistencies this company is reporting, which they are falsely verifying as is accurate. This has to stop! Please see the attached documents.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting act, MIDLAND CREDIT MANAGEMENT is a company I never heard of until obtaining a copy of my credit report. This company has has not only violated my right to privacy but has also placed a fraudulent item on my credit report in efforts to prevent me from acquiring credit/resources to support my family. 15 USC 1681 section 602 A states that I have the right to privacy. 15 USC 1681 section 604 A ( 2 ) also states a consumer reporting agency can not furnish an account without my written instructions which I would never give an okay to do so that I've never heard of. Are they claiming to be the Original Creditor and can state under oath that I signed a contract with this company and if not how and why do they feel they have the authority to legally collect on an account they never originally owned.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Ive never had any relationship with Midland Funding LLC collection agency or original creditor. Since 2012, they have been harassing me for a debt that I do not owe them. Now 11 years later, theyre trying to garnish my paycheck for {$2700.00}, therefore causing hardships for me and my family. Theyre ruining my reputation by sending a writ of garnishment notice to my job. Theyre causing some serious problems in my life. I am tired of them bullying me by threatening to take my hard-earned money and ruining my credit. Theyre stressing me out. Eleven years of being harassed by them is way too long and according to Maryland State law this is illegal. Furthermore, even if I did owe this debt to the original creditor the statute of limitations on collecting a debt would have expired. Midland Funding LLC, INC collection agency needs to leave me, my family and my job alone.
Company Response:
State: MD
Zip: 21221
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: This company is attempting to sue me for not paying a debt that isnt owed to them. This brought on a tremendous sadness. I have been feeling down and suicidal lately. This is harmful to my health and a defamation of my character. I found evidence that your organization didn't double-check for accuracy before reporting it. In accordance with Section 1681e ( b ) ( b ) Accuracy of report of the United States Code ( 15 U.S.C. When a consumer reporting service creates a report on an individual, they are required to take reasonable measures to ensure the data is as accurate as feasible. According to my research, Section 1681 ( 5A ) of Title 15 of the United States Code deals with now false or questionable facts are handled. They cant provide any verifiable proof that I signed anything agreeing to pay them. Under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
Company Response:
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I received an email from my credit monitoring service. I saw that my XXXX XXXX had dropped a tremendous amount of points. I logged on and found that Midland Credit had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$300.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package because it was never sent. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-21
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 have disputed this account several times for reporting inaccurate information, illegally re-aging this account every month, not providing proof that this account is mine, and causing harm to my over all credit. 1. ) They have never proved paper work with my wet signature or any paper work proving that this account is mine. 2. ) Every month the date of last activity and report date is being re-aged and made made to be the most recent month 3.The open date does not match across all 3 credit bureaus 4. ) XXXX is reporting a closed collection account as open and XXXX is reporting a closed collection account as open and the status as 120 days late 5. ) In the month of XXXX, my credit report showed that the balanced owed changed from {$500.00} to {$500.00}.
Company Response:
State: TX
Zip: 76201
Submitted Via: Web
Date Sent: 2023-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A