Date Received: 2022-10-11
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Midland credit management Does not have the right nor do these company obtain the a legal license to collect in newyork state they have damaged my credit by fraudulently attempting to collect debts in a state that they do not obtain a license to collect from this has caused extreme mental stress from these illegal actions
Company Response:
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Account stating collection with account status of derogatory with date open on XX/XX/XXXX by XXXX XXXX and XX/XX/XXXX by XXXX both are stating a balance of {$440.00} is reporting incorrect. I have tried contacting the bureaus and the creditor to get the situation straightened out and results to the investigation continue to come back and correct. Date last active has been reported by XXXX XXXX as XX/XX/XXXX with XXXX while XXXX reports as XX/XX/XXXX. XXXX XXXX is recording a comment on credit report saying account information disputed by consumer meets FCRA requirements. I strongly disagree as there is no possible way that account can be both on collection while derogatory at the same time and having date last active in accurate. There is no way that both bureaus can be right if information is coming from the same furniture data account is being re-aged pushing back the date it should fall off. Second account just different account number with one month difference on date open and slightly different balance reporting incorrectly. Account is stating collection with derogatory And date open nest XX/XX/XXXX by XXXX XXXX while XXXX report date open as XX/XX/XXXX both with a balance of {$360.00} is reporting incorrectly. Recording day less active as of XX/XX/XXXX to buy XXXX XXXX and XX/XX/XXXX by XXXX. XXXX XXXX is recording a comment saying account information disputed by consumer meets FCRA I strongly because theres no way that account can be collection interrogatory at the same time and recording an accurate date of last active and date account being open account is being reached pushing back the date it should fall off I do not recall having either of these two accounts especially being just a month apart and to be honest I believe this account is a duplicate Both accounts are reporting exactly the same information with the only difference of account balance and account number being different.
Company Response:
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: If you will notice this is the exact amount charged off by stage XXXX I was under the impression it was gone XXXX this is why I didnt recognize it. It didnt show and then it did again. I realized this yesterday when they called me up harrassing me and demanding me to stay in the line even after I made it clear I was entering my job my job is stressful enough without XXXX XXXX men talking down to me This debt is OLD AND CHARGED OFF WHY THIS COMPANY IS HARRASSING ME NOW IS CROSSING THE LINE IN MY OPPINION IT SHOWED DOUBLE ON MY REPORT FOR AT LEAST a year or 2 for that alone it should be removed!
Company Response:
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: As of XX/XX/2022 MIDLAND CREDIT MANAGEMENT INC. sent a letter attempting to collect debt against me of {$2200.00}, the consumer, and additionally threatend to take the debt to an attorney for a lawsuit. they have consistintly tried calling me and sending mail. this is against the FDCPA.
Company Response:
State: FL
Zip: 33755
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I need to dispute this account and have it removed from my credit report without negative impact this account was sold to Midland credit management by XXXX XXXX bank I did not authorize no type of consent with midland to have any of my information or to contact me the debt is for XXXX and I would like to have it removed from my report without negative impact by law im not obligated to pay this debt XXXX XXXX sold the account to XXXX and the balance was no where near XXXX I want them to stop contacting me and please remove it
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There are two collections that have recently appeared on my credit report this XXXX and XX/XX/XXXX, these are due to fraud and identity theft. Both collections are 3 years and 8 months old. I can see that one of the collections is from a Credit Card with XXXX XXXX that was closed in XXXX and reopened fraudulently in XXXX. A credit statement was sent to me which I disputed because it was not me that opened that account. I froze my credit because soon after I had calls for home loans and bank accounts trying to be opened under my name in California. These identity theft and fraud collections have never appeared on my credit report until now.
Company Response:
State: HI
Zip: 96744
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: They are trying to collect on a debt in a state they are not licensed in. I live I. Ga and midland credit management does not have a license to collect in ga.
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I pulled my credit reports XX/XX/2022 after receiving several letter from this company Midland Credit XXXX saying I owe a debt for XXXX for the amount of {$440.00} for account that was opened according to them XX/XX/2022 which I never opened. They are reporting this false account on my credit files. I have spoken to them on several occasions about this issue.
Company Response:
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I, the natural person and consumer, did not receive any information regarding this alleged debt placed on my consumer report by MIDLAND FUNDING. Nor did I receive the information required per 15 USC 1692g ( a ). As such, pursuant to 15 USC 1692c ( c ), I refuse to pay this alleged debt. MIDLAND FUNDING have failed to provide adequate validation of the debt, such as proof of the existence of the alleged debt and outstanding balance, proof of a contract verfiying MIDLAND can legally collect, and proof that MIDLAND is the current holder of the instrument. MIDLAND is violating Uniform Commercial Code 3-302 ( a ) ( 2 ). A debt cant be transferred or sold when past due or in notice of dispute. This company claims that the alleged debt was originated from XXXX XXXX XXXX yet MIDLAND FUNDING is the company listed on my consumer credit report.
Company Response:
State: TN
Zip: 38141
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX act USC 1681 section 602 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. USC 1681 section 604 Did not use manner which is fair and equitable to the consumer in reporting negative allegations without written permission. By law they need written permission. They did not provide verification to me. They didnt verify via mail or electronically.
Company Response:
State: NJ
Zip: 08401
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A