Date Received: 2022-11-23
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: XX/XX/22 Neighbor ( old address from over a year old ) handed me 3 letters from MCM. Immediently went to website updated contact information for all 3 accounts. There was intake form, I specifically wrote Do not call, contact by mail only, please mail options. XX/XX/22, receive phone call while at work, very odd first ask for me then put me on hold then woman comes on. I have to ask 3 times for them to identify. I state I am at work and can not talk. That evening go to website, chat with representative, specifically ask them to mark accounts as do not call. Chat representative states done. XX/XX/22 receive a phone call from XXXX with MCM, I answer stating you've been given written notice to not call, she asks how do I know who I am calling. I believe the phone number tells you who not to call. Also neighbor hands me 6 letters today, 3 dated XX/XX/22 ( a month after I notified correct address ) and XXXX XX/XX/22. To add further confusion I received a XXXX yesterday to my correct address yesterday but only one of the accounts. Don't understand why they will not honor written request for no phone calls. Don't understand why they continue to mail to incorrect address after they have been notified. If I connect to the website and enter last 4 of SSN it has my correct address and has had it.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was contacted by XXXX. of XXXX, Georgia about a debt owed to XXXX XXXX. They threatened to sue me if I didn't make a large payment immediately. A lawyer called me from XXXX, Alaska and threatened a lawsuit. The account number on their paperwork was different than the XXXX XXXXXXXX account number. I didn't catch this until Midland Credit Management contacted me and told me I owed them money for the same debt. Their account number matches my old XXXX XXXX credit card number. So as it stands now I may have to pay for the same debt twice. The phone number for XXXX. is XXXX. The file number is XXXX. All their contact information is in the attachments.
Company Response:
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Midland Credit Management called my sister in law regarding my credit card debt on XXXX. My sister in law is not on any accounts of mine. They also attempted to call my mother the same day. XXXX is not on any accounts.
Company Response:
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Midland Funding received an AFFIDAVIT OF TRUTH on XXXX XXXX informing this company of the fraud and deception used when they collected on an alleged debt. When they attempted to collect on this alleged debt, Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. coerced me into paying this alleged debt . Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. purchased these alleged debt while invading and infringing upon my privacy. You obtained information that should have never been disclosed in fact, I never signed a legal binding contract to pursue business with Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. Again, please forgive me for my ignorance of the law ; however, consumer is requesting in fact the bill of sale between Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management , Inc. and XXXXXXXX XXXX Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management, Inc. will provide in fact the forward flow agreement and aggregated value of purchase between Midland Credit Management d/b/a Midland Credit d/b/a Midland Credit Management , Inc. and XXXXXXXX XXXX
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: this account was sent to collections in XXXX and then bought by this debt collector stating it was opened in XXXX which they re-aged to make it look recent and stating I owe {$870.00} which it was only like {$450.00}. This account should have been off my credit after so long since XXXX
Company Response:
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX AND MIDLAND CREDIT MANAGEM,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTINUE TO VIOLATE MY RIGHTS AND VIOLATE THE LAW 15 U.S.C 1681 et seq. BY FURNISHING DATA AND ACCOUNTS ON MY CREDIT REPORT WITH OUT PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT. THEY HAVE NOT PRESENTED PROOF OF PERMISSIBLE PURPOSE OR WRITTEN INSTRUCTIONS OR GRANTED CONSENT OR HAVE MADE ANY ATTEMPS TO DO SO. MY IDENTITY HAVE BEEN MISUSESED, WRONGFULLY OBTAINED, AND UNLAWFULLY FURNISHED BY THESE COMPANIES FOR FINANCIAL AND ECONOMIC GAIN. I HAVE MADE SEVERAL ATTEMPS ASKING THEM TO DELETE THESE ACCOUNTS BUT NOTHING HAS BEEN DONE.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I owed a very old credit card debt that was sold to midland funding LLC collection agency. I hired a debt lawyer previously to help me wipe out the debt or settle. This did not go very far. I then attempted to settle the debt by contacting midland funding. They weren't able to verify I owed them anything or had an account with them. I found out this week that they are garnishing my paychecks without prior contact or serving me. I attempted to contact some lawyers to help woth this because it seems very illegal to sue someone without attempting to contact them first in writing. Lawyers were not able to help because they said once the judgement is passed, it's no longer reversible. I was never issued any court/legal documents to attempt to fight or defend myself in the matter.
Company Response:
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX and Dispute I hereby request that this account is electronically evaluated as to whether all data is mandatorily perfect and complete XXXX XXXX XXXX XXXX XXXX was properly reported within the compliance standards set forth by the Fair Credit Reporting Act ( FCRA ). This includes the mandatorily perfect and complete XXXX XXXX XXXX XXXX XXXX, the applicable requisites of the FCRA and the applicable requisites of the FDCPA, and or any other standard or regulation otherwise, be it mentioned or no. All data must follow the XXXX Credit Reporting Agencies ( CRAs ) and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ) has been violated by the furnishing of such derogatory account. This account hinders my ability to apply for accounts that others can apply for which denies me the opportunity to obtain credit. As the consumer I am being harmed by the data furnisher ( DF ) and or the Credit Reporting Agency ( CRA XXXX for non- compliance reporting of items on my credit report. I request this item be removed. I request to be provided verifiable documentary proof ( e.g., original consumer contract or similar proof bearing my wet ink signature on it you have on file for accounts listed below.
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX is the amount forXXXX XXXX this account is nit an account of XXXX XXXX , a natural woman who never gave this company permission to do business with her. they also sold it to a 3rd party which is midland credit management
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
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: XX/XX/XXXX I disputed this account XXXX XXXX XXXX XXXX XXXX XXXX ] here on CFPB again that was found on my credit report from loan officers that I had requested original proof of last year. I was told that this account is a XXXX XXXX, however it's reporting that payments are still being made based on the payment history from XXXX. I then requested a reinvestigation in XXXX XXXX because I had found out the same thing was still on my credit report on XXXX XXXX ( in the midst of trying to get a mortgage loan ) that I wasn't aware of and/or thought were already removed/corrected. I requested for the account to be thourougly reinvestigated ( checking, updating, deleting, correcting the summary of each report from each of the XXXX bureaus ). I sent it via certified mail on XXXX ( tracking number below ). It has again been more than 30 days and no letter from XXXX stating if the CHARGE OFF was final or not. Not only that, but I found out recently that there's another account -> MIDLAND FUNDING Account number [ XXXX ] who supposedly bought the debt from CXXXX XXXX which is being reported as an OPEN ACCOUNT. Which is illegal and against FCRA to try to collect payments for the SAME DEBT through 2 different accounts. Section 607 ( b ) of FCRA ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Consumer reporting agencies must Correct or Delete ANY inaccurate, incomplete or unverifiable information within 30 days. And according to the FCRA everything must be 100 % accurate. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Is still reporting the same inaccuracies for Account status, Terms, High Credit, Date Last reported, Date Last Active, and the 2 year payment history. All of which are violations and not reporting the same across all 3 bureaus. Unfortunately, I no longer have housing due to credit implications that has affected my credit score and history. As you will see my credit score has dropped tremendously even more within the last month because I've had to dispute over and over for the same problem. I'm requesting monetary relief and deletion at this point, because I've tried all I could. I will have the photo of both credit reports pulled on XXXX XXXX and XXXX XXXX in comparision showing that there was no thorough investigation done by XXXX nor MIDLAND FUNDING. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A