Date Received: 2022-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Someone opened a fraudulent account in my name. I need help getting it removed. The debt collectors name is Midland Funding LLC. They are listed on my XXXX XXXX credit report. Can you help me get this removed from my credit report.
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Someone opened a fraudulent account using my mame. A debt collector is list on my credit report " Midland Funding LLC '' I need help removing this fraudulent account because Its not my account.
Company Response:
State: MD
Zip: 21202
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-19
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've attempted to contact the reporting agency several times over the past year. Midland Credit Management has been incorrectly reporting a collection account and the agencies refuse to verify and validate the account.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit Management XXXXXXXX XXXX XXXX Acct @ XXXX Called my Spouse. Number was not used to sign up for account. They disclosed they were calling for a debt with amount owed. From Midland Credit for XXXXXXXX XXXX. They did this on two occasions after I called and notified them of the third party disclosure.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I reached out via courier service to Midland Credit Management asking them to please validate the debt they are currently trying to collect with my name on it. In this letter, I asked them to send me the following pieces of information to validate the debt. 1. The original contract with my wet signature on it. 2. The original creditor and their information. 3. Payment history including itemized billing. 4. Proof of ownership. On XX/XX/XXXX I received some of the information requested stating that they had completed their investigation of my dispute and found that the following pieces of information validates the debt, however, they did not send me the original contract nor all of the payment history including itemized billing, nor that they own the alleged account.
Company Response:
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any Purpose. XXXX XXXX XXXX XXXXXXXX XXXX : {$1500.00} Original Creditor : XXXX comenity bank disputing ownership I have no knowledge of this account. This account was opened fraudulently. XXXX XXXX XXXX XXXX Open Balance : {$5600.00} Original creditor : XXXX XXXX park view apartments disputing ownership I have no knowledge of this account. This account was opened fraudulently. XXXX XXXX XXXX XXXX Open Balance : {$630.00} Original Creditor : XXXX XXXX bank disputing ownership I have no knowledge of this account. This account was opened fraudulently. XXXX XXXX XXXX open balance : {$240.00} Original creditor : XXXX XXXX xfinity disputing ownership I have no knowledge of this account. This account was opened fraudulently. CLOSED ACCOUNTS XXXX XXXXXXXX Reported balance : {$950.00} Closed XX/XX/XXXX XXXX XXXX XXXX BALANCE : {$0.00} Closed XXXX XXXXXXXX XXXX XXXXXXXX bank Reported balance : {$0.00} Closed XX/XX/XXXX XXXX bank : XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX XXXX XXXX XXXX Reported balance : {$0.00} Closed XX/XX/XXXX This agencies have violated the FCRA by Reporting a debt as charged off, when it was fraudulent Reporting late payments when the account is fraudulent. Reporting old debts as new ones. Reporting that an account was active after it was voluntarily closed by a consumer and fraudulently opened. Inaccurate statement of balance due. Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Hello, I received a notice from Midland Credit Management a debt collector for a XXXX XXXX XXXX XXXX Balance of XXXX for a can account credit XX/XX/XXXX XXXX XXXX XXXX. I received this notification at my parents address at XXXX XXXX XXXX XXXX XXXX, XXXX Maine XXXX. I requested additional information about the account and found out the address for the card was at an apartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at apartment XXXX. I disputed this information with the Midland Credit, but they said the information was accurate. So my father XXXX XXXX and I went to the apartment complex on XX/XX/2022 to see if they ever had any record of me living there, and they did not. XXXX XXXX said she can be contacted at XXXX to verify that I had never lived at the location. This address was used to open the account. My purse was stolen in XXXX a few years back and police report and figure my identity was stolen. Midland Credit told me to file a report with you. I can be contacted at XXXX. My father can be contacted at XXXX
Company Response:
State: ME
Zip: 039XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A collection agency " Midland Credit Management '' started threatening me about a XXXX XXXX XXXX bill. I've never had a XXXX XXXX card, the card address was in North Carolina, I've NEVER lived outside of KS. The dept was not on my credit report, but the false North Carolina address was, which has been removed. Balance : XXXX The first I was contacted about this debt was by phone, late summer of 2020. On each of multiple calls, it was explained, never lived in NC, never had XXXX XXXX card. First contact in writing was XX/XX/2020. They mentioned another person on the account with a name other than my husbands, with a SS # different than my husbands. This info was also reported to them as not correct. Credit reports checked and found no mention of this debt. Reported the possible ID theft. About the same time, a fraudulent unemployment claim was made against me. I and my employeer reported it to the state of KS.
Company Response:
State: KS
Zip: 674XX
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company midland credit management is not licensed to collect debt in New York. Yet they have all of my information and change info on my credit report weekly. This debt was caused by fraud from a family member. I would like them to take the account off of all 3 credit reports as they are operating illegally in New York State.
Company Response:
State: NY
Zip: 14213
Submitted Via: Web
Date Sent: 2022-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXXXXXX obtain a credit card from this company was paying monthly payments seeing that the increasing interest rates contacted the company request the card be unused status and that I could finish making payments representative spoke with stated interest would stop monthly payments would need to be made Timely payments were being made during the pandemic lost of wages second income monthly payments for XXXX XXXX went from {$35.00} up to almost {$300.00} a month call the company tell him I can make small payments could not afford the increase amount monthly start making automatic payments from my banking amount owed kept increasing I've never did business with Midland credit I was told by XXXX XXXX that they sold the debt to them mid and credit then added their fees
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A