Date Received: 2023-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding accounts. Per track, it's been several months with no information given, no investigations performed, and timely updates. Violates federal 15 USC 1692gf. I never authorized or given permission per 15 U.S. Code 1681 ( b ), which violates permissible purposes moreover, 15 U.S. Code 1681e ( B ) The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reported.
Company Response:
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: It's now XXXX. I got a letter saying there was a judgment against me. that dates back to XXXX saying i owe XXXX. Then, the final judgement was revised 4 years later in XXXX with an outstanding balance of XXXX. I don't know why this is a thing almost 20 years later but asset acceptance llc contacted my place of work and threatened to garnish my wages.
Company Response:
State: FL
Zip: 33030
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX and XXXX are showing id theft information related to cfb ftc cases and need to be removed today due to failure to provide proof of account ownership
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On Thursday XX/XX/XXXX I received a call from an unknown number which I ignored. Moments later I received a call from my son stating that he just got a call. When he answered the phone, the man said " Is this XXXX XXXX, Social Security number XXXX ( actually reading off his social ) my son said yes, now who the XXXX is this. The man asked if he knew me. My son said yes, what is this about?. The man said " She knows what this is about. Have her call XXXX extension XXXX. He then hung up on my son. I then called this number and asked this person who he was and explained that what he did is illegal. He stated " no its not. Just wait for your papers in the mail. '' The company is XXXX XXXX of XXXX NH, hired by Midland Credit Managment. I have a job that requires clearance. This company calling relatives and rattling off social security numbers without knowing who they are speaking with is a breach. Can someone please educate them. Thank you.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: MIDLAND FUNDING IS REPORTING AN ACCOUNT ON MY CREDIT REPORT THAT DOES NOT LOOK FAMILIAR TO ME. THE ORIGINAL CREDITOR IS XXXX XXXX, BUT XXXX XXXX HAS NOT PERMITTED ME TO OPEN AN ACCOUNT WITH THEM SINCE I WENT BANKRUPT YEARS AGO SO I AM CONFUSED AS TO HOW AN ACCOUNT WAS OPENED IN 2021. I FILED A FTC COMPLAINT AND WILL ATTACH THE REPORT. I WAS INVOLVED IN A DATA BREACH SO IT IS VERY PLAUSIBLE THAT MY INFORMATION WAS OBTAINED THAT WAY. I DON'T UNDERSTAND HOW A COMPANY CAN REPORT INACCURATE INFORMATION WITHOUT SENDING ANY TYPE OF VALIDATION ESPECIALLY WHEN IT'S BEEN REPORTED THAT THIS IS POSSIBLY A FRAUDULENT ACCOUNT. PLEASE HANDLE THIS IN A TIMELY MANNER AND REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. PLEASE SEE THE ATTACHED REPORT.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Has contacted family members outside of immediate family. I also believe that wages have been garnished outside of the limitations of when they can be as I also just received another letter and another court date for Midland financial.
Company Response:
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland is in violation of the UCC 9-210 by failing to provide an authenticated record of accounting, which I requested on XXXX XXXX. Midland is also in violation of 15 U.S.C. 1681 for willfully furnishing inaccurate/unverifiable information to a consumer reporting agency, after being notified of the error. I am currently owed {$1500.00} for both violations. My only other option is to sue for damages if the account is not removed immediately. This is my final warning.
Company Response:
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Midland Credit Management has been taking a payment plan from me for over a year and then stopped but didn't notify me. They then contacted my employer after being told not to do that and after I was making payments. I then paid off this debt online last week and followed up with a call to confirm payment. Today, I can no longer log into my account and after they confirmed they received my payment, it has not been withdrawn from my account and it is not paid. They do not want this paid off clearly. I want to pay this debt and want it reported to the credit agencies. It's not this hard. I have the funds but they aren't taking my money! This company has been horrible to deal with and seems to run on tricks instead of help. How hard should it be to pay off a debt? Not this hard. I've spent hours trying to pay this off. There has been no payment confirmation or anything. Please help!!
Company Response:
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have reached out to Midland Funding on several occasion asking if previous payments made would go towards this credit card debt. The answer was no. The payoff balance was XXXX in 2020. I partner with a credit company called XXXX that would help me by pulling funds from my checking account to make payments of XXXX dollars bi weekly to finish paying off my debt owed to Midland Funding. I got a new job during the pandemic and started paying Midland funding through my new checking account. Within the XXXX week gap. Midland Funding sent documents of garnishment to my job to take half of my wages. Thankfully I had proof I had sent a check to them based on our agreement with XXXX. It seems my check was lost in the mail. I have proof that this company is trying to over collect on a debt that has been paid twice. I have documents proving I have paid them over XXXX in the last past 2 years. I would like the company to remove the garnishment from the local courts and remove this collection from all XXXX credit bureaus within 30 days or cut a check to me for XXXX they are saying I still owe to the courts. Thank you,
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account belongs to my twin sister. XXXX XXXX. I have been trying to get this situation under control because its stopping me from being able to purchase a home due to her information being on my credit report
Company Response:
State: LA
Zip: 70454
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A