Date Received: 2022-10-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: sevearl robo calls a day even on weekend early mornings late evenings countiued constant
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2022 I sent a certified letter to Midland Funding LLC requesting a verification and validation of this alleged debt. I requested detailed information and letting them know that I wanted proof of the alleged debt from them. I will include the letter that was sent. On XXXX XXXX I received a letter. What I requested was not enclosed in the letter. Now I am requesting from the CFPB to investigate this matter. This is an alleged debt that was not proving that it belong to me. I am requesting that the alleged debt be removed from my credit report immediately from Midland Funding LLC. Midland Funding LLC failed to prove that the debt is mine. Midland Funding LLC did not reply accurately to my written demand for proof. I will include the tracking number for the certified letter and the letter itself, asking for proof. Neither of the requested information was provided.
Company Response:
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-22
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Calls at least once a day, morning, afternoon and evening seven days a week. Calls are never from the same number. The few times that I answered I was told that I was being sued and asked for my current address to be served. They were rude and abusive so I stopped answering. This has been going on since XXXX or XXXX. They have contacted my father and other members of the family stating that I will be served and possibly arrested.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2022-10-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I am requesting to reopen complaint # XXXX with Midland Credit Management XXXX XXXX. I am providing a resolution update regarding payment for this account.
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: About 5-years ago, I found out that someone stole my identity and then got a factoring loan. I am a XXXX XXXX. I don't even know what a factoring loan is. I called the collection agency. They told me they understood it was not my loan and said they would remove it from my credit. Now, I am trying to buy a home and my loan officer showed me my credit. They lied to me and are still reporting it! There is no way they can prove to you that it is my debt because it isnt my debt. It is the thiefs debt. The collection agency has a responsibility to remove incorrect information from my credit.
Company Response:
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 15 U.S.C. 1681 Section 602 A states I have a right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX Midland Credit Management Acct # XXXX Midland Credit Management Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX The following debt collection agencies are trying to collect on debt amounts on accounts sold to them by XXXX XXXX. XXXX XXXX illegally and knowingly over inflated interest rates on its credit card holders. This resulted in a class action lawsuit filed by XXXX XXXX XXXX. All of the accounts from midland Credit Management XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. XXXX contain accounts purchased from XXXXXXXX XXXX that are subject to the litigation brought against XXXX XXXX. I am requesting these accounts be removed from my credit account due incorrect amounts that were over inflated illegally by XXXX XXXX I feel no debt collector should be able to slander my credit report over these illegally created debt amounts. Please remove or face legal action.
Company Response:
State: FL
Zip: 34691
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am not liable for this debt with midland credit management. I do not have a contract with XXXX XXXX XXXX They did not provide me with the original application with my signature like i asked. A dispute letter was sent out to the debt collectors. this Unauthorized Account is reporting negatively to my credit report and i would appreciate it if this account was deleted off my credit report. Date Account was opened XX/XX/2020 Amount they say i owe {$740.00} Debt Validation letter
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2022 I was served with papers for a " Breach of Contract '' and a request to report to court for outstanding debt on a credit card I don't own and had no idea existed. It is not on my credit history. Dated XX/XX/2022 and sealed on XX/XX/2022 by the XXXX XXXX XXXX XXXX. I am being asked to pay outstanding balance of {$950.00} that is under my nameXXXX XXXX XXXXXXXX is the bank and the Plantiff is noted as MIDLAND CREDIT MANAGEMENT INC. On XX/XX/2022 I filed a Fraud/Identity Theft report ( number XXXX ) with XXXX Police Dept . I pulled a credit report from all 3 reporting agencies XXXX, XXXX and XXXX with showed no evidence of the card ending in the XXXX in my credit history. I also put a credit freeze on my accounts and fraud alert. I tried to contact XXXXXXXX XXXX XXXX with no success due to it being outside of their business hours.
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2022-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Midland Credit Management XX/XX/2020 {$740.00} In accordance with the fair credit reporting act, this creditor has violating my rights under 15 USC 1681 section 202 states that I have the right to privacy. 15 USC 1681 section 6048 section to it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit under an open consumer credit plans as late for any purpose.
Company Response:
State: FL
Zip: 32060
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland credit management XX/XX/2020 {$1200.00} In accordance with the fair credit reporting act, this creditor has violating my rights under 15 USC 1681 section 202 states that I have the right to privacy. 15 USC 1681 section 6048 section to it also states that consumer reporting agencies can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit under an open consumer credit plans as late for any purpose.
Company Response:
State: FL
Zip: 32060
Submitted Via: Web
Date Sent: 2022-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A