Date Received: 2022-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This letter is a formal complaint. You are reporting inaccurate and incomplete credit information, according to the Fair Credit Reporting Act 609a ( 1 ) a ; you are required by Federal Law to verify threw physical verification of the Original sign CONTRACT with me and your company. Any and all accounts you post on a credit report, otherwise any one paying you for debt is probably fraudulent. I demand to See a Verified Proof. If you fail to Validate, Remove from my account immediately. Again this is my correct information, here below. When you system is UPDATED send me an copy of it also with the proof of physical verification.
Company Response:
State: GA
Zip: 30605
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The company MIDLAND CREDIT XXXXXXXX reported to XXXX XXXX and XXXX that I owe them the amount of {$3300.00}, which is false, I do not accept that debt and information that they tell the bureaus, harming my credit information and violating the FCRA credit reporting law. fair credits because they do not have any written or verbal documentation signed by me, I do not know who this company is that is violating the law because it does not demonstrate with evidence that I have a contract with them, in addition to harming me with the credit bureaus for For this reason, I request that if in 30 days they do not show documents that certify that I signed them, it be immediately deleted from the XXXX XXXX and XXXX XXXX.
Company Response:
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I declare 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 file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001.Additionally these misstatements 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 being investigated by the FTC.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have been receiving letters as a result of legal action taken by Midland Funding LLC. Most recently, I received a letter this month about a attempt to collect debts that are beyond the statute of limitations. I received a letter in this month of XXXXXXXX XXXX XXXX. These debts originate from a XXXX Credit Card account that has been inactive since XXXX. XXXX bought the debt a few years later. However, I did my research into this matter and found that XXXX account to be outside the statute of limitations for collection. Four years ago I sent documentation proving this to the major credit agencies, XXXX, XXXX and XXXX. They were in relatively a short time processed, and all of those debts are removed from my credit report. Therefore, I do not see how Midland Funding LLC has the authority to collect on a debt that no longer exists.
Company Response:
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am a FEDERALLY PROTECTED CONSUMER I am making this complaint against MIDLAND CREDIT MANAGEMENT I reject your offer to contract I did not consent to any nonaffiliated third party MIDLAND CREDIT MANAGEMENT ACCT # XXXX to be in possession of my Nonpublic Person Information. I never gave any permission to MIDLAND CREDIT MANAGEMENT use any of my identifying information to commit mail fraud by contacting me about this ALLEDGED DEBT. This is notice to cease and desist all illegal activity and communications and DO NOT TRY furnish false credit information on my credit reports. I am not requesting validation of any alleged debt as obtaining as Non Public Personal Information without my lawful authority constitutes Aggravated Identity Theft 18 USC 1028A .After you sent a email STATING that XXXX SOLD MY NON PUBLIC PERSONAL INFORMATION TO XXXX XXXX, AND NOW MIDLAND CREDIT MANAGEMENT HAS IT ''. I now have reason to believe that you are all conspiring against me trying to collect on a extension of credit through unlawful extortionate means. There is no TRILATERAL CONTRACT BETWEEN US THAT STATES I HAVE THE LEGAL OBLIGATION TO PAY YOU. THE FAIR DEBT COLLECTION PRATICES ACT AND THE XXXX XXXX XXXX WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME I AM PREPARED TO SEEK JUSTICE AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED AND RESPECTED. The collection of this extension of credit would be a VIOLATION OF THE FALSE CLAIMS ACT. AGAIN WE HAVE NO CONTRACT I HAVE NEVER HAD ANY BUSINESS DEALINGS WITH YOU NOR DESIRE TO.
Company Response:
State: IA
Zip: 52240
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX I submitted CFPB Complaint ID # XXXX against Midland Credit Management XXXX In that complaint, I requested a CEASE-and-DESIST of all illegal activities, including reporting which constitutes collection activities and to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempted telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. As of today, you are now on notice that you have violated 15 USC 1692 ( c ) of the FAIR DEBT COLLECTION PRATICES ACT and have breached your duties by harassing me regarding this alleged debt. They have repeated called me twice in one day, and in the early morning which is extremely inconvenient and a violation of their cease and desist. I will instruct my legal consul to take relevant action against you by filing a FEDERAL CASE against you for this violation. Instead of submitting to the below request, you are consistently calling. Again, this serves as a written notice of CEASE-and-DESIST of all reporting which constitutes ALL COLLECTION activities and all contact be made via in writing. I am also requesting a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a BILLING STATEMENT, notice or any unsigned document is NOT verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain. If you continue with your violations, I will instruct my legal consul to take relevant action against you by filing a FEDERAL CASE against you for this violation. Instead of submitting to the below request, you are consistently calling. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. Also, as you are aware, you Midland Credit Management are a 3rd party DEBT COLLECTOR, which means the debt has been charged-off by the ORIGINAL creditor and is now considered as a CERTIFICATE OF INDEBTNESS ( XXXX XXXX XXXX reporting for discharges of indebtness by certain entities ) as well as income ; and income can not be reported on my consumer report, therefore, I am requesting for all COLLECTIONS be removed immediately from my consumer report. As I previously stated, per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection.
Company Response:
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the terms of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitues a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1622. 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: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 I reviewed inaccuracies on my credit report reported by the referenced company. I submitted a written request for validation, copy of collection licenses, signed documentation that I have an account with them. The company failed to provide this documentation within 30 days. The company failed to provide confirmation that a notice was sent to me stating I had 30 days to dispute the debt, prior to reporting it to all three credit bureaus which is a violation of the FCRA. This account is still being disputed, the company failed to provide the specific information I requested.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have already sent a signed cease and desist letter to Midland Credit Management , Inc . They have not only continued to contact me but sent letters about an alleged debt full of consumer rights violations. A consumer has the right to privacy in accordance with 15 U.S.Code 6801 I did not give Midland Credit Management written permission to access my non public private information Pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor. 15 U.S.Code 1692b ( 5 ) states, any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, this is a violation. I did not give prior consent to communication with the debt collector, midland credit management. There was no prior consent from a court giving permission to contact me in collection of any debts and thus this communication by Midland Credit Management , inc. is a violation of 15 U.S.Code 1692c ( a ). Midland Credit Management , inc. statement [ " If we dont hear from you or receive payment by XX/XX/2022, we may proceed with forwarding this account to an attorney ] is language which is obscene and has caused anguish and anxiety for me. This is a violation of 15 U.S.Code 1692d ( 2 ). Midland Credit Management , inc . Statement [ If your account is forwarded to an attorney, this may result in a lawsuit against you. ] is language which is obscene and has caused anguish and anxiety for me. This is a violation of 15 U.S.Code 1692d ( 2 ). The false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). How can Midland Credit Management, inc. allege I owe a debt, but the debt is shown in a positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me. PRE-LEGAL NOTIFICATION is a violation of 15 U.S. Code 1692e ( 3 ), the false representation or implication that any individual is is an attorney or that any communication is from an attorney. I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Original Creditor : XXXX XXXX, XXXX. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). As I stated, I the consumer and natural person, is the original creditor. Only I can extend credit. I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Original Creditor : XXXX XXXX, XXXX. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). As I stated, I the consumer and natural person, is the original creditor. Only I can extend credit. I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Current Owner : Midland Credit Management , inc. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). 15 U.S. code 6801 states that I have a right to privacy. How can Midland Credit Mangement, inc. Own my nonpublic personal information? I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Current Creditor The sole owner of this debt : Midland Credit Management , inc. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). AGAIN, 15 U.S. code 6801 states that I have a right to privacy. According to the law, 15 U.S. code 1692b ( 2 ), a debt collector shall not state that such consumer owes any debt. I have already sent a cease and desist and requested VALIDATION of alleged debt according to 15 U.S. Code 1692g. All I received was billing statements which is a violation and I continued to receive these harassing letters over and over. This statement is from my exhibit as proof of continued harassment from Midland Credit Management , inc. [ as previously requested by you, we will no longer be contacting you regarding this account by phone or in writing unless required by law or you request that we resume communications. ] Midland Credit Management , Inc. also violated 15 U.S. Code 1692f which states, A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 7 ) Communicating with a consumer regarding a debt by post card. I also have proof of this violation of federal law. I have not requested to resume communication and yet I am still being harassed. Clear violations of federal law. According to 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) states an individual action is a violation worth {$1000.00} dollars, meaning each violation is worth {$1000.00} dollars. In accordance with 1 U.S.Code 1, words importing in the singular include the application to several persons, parties, or things, and therefore the single mention of the word action can mean each individual set of actions costs {$1000.00} dollars per violation. According to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor. I am demanding all of the following : Deletion from all consumer reports. Remove all remarks or comments off my consumer report. And pay by check {$10000.00} to I the consumer for multiple violations of federal law. If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. Thank you.
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Midland funding has an account on my credit report been disputing for a while this account is closed for fraudlant charges please help me remove this
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A