Date Received: 2022-10-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I was recently received in the mail a notice of oral deposition in aid of execution filed by Midland Funding LLC. I do not owe this company anything. I never received any communication from them until this notice. I filed an identity theft report and mailed them a letter. I will also file a motion to vacate the judgement. This company is attempting to collect this debt that does not belong to me.
Company Response:
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Original Creditor : XXXX XXXX Merchant Name : XXXX Original Account Number : XXXX Current Servicer : Midland Credit Management , Inc XXXX MCM Account Number : XXXX Current Owner : Midland Credit Management , Inc . Current Balance : {$2100.00} I have obtained my credit report and found there accounts I never opened, an addresses I never resided, inquiries I never made and even a different variations to my name. I also found this account and is not mine. I am not liable for this debt and I do not have a contract with this company. I also filed complaint with the XXXX XXXX XXXX. I have contacted this company multiple times to inform them this account was fraudulently open due to Covid-19s scams and frauds. This is not my account and I want it removed of my credit report at once
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Multiple communication tactics. Multiple calls per day from XXXX this company is Not authorized to collect debt in XXXX XXXX
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Midland Credit Management has been calling me asking for XXXX XXXX and stating a birthday of XX/XX/1985. I spoke to the person that called my phone and told them I do not know why they are calling me. They continue to call and I have called back and they said I have no right to call their number. They want my information, name, birthday, social. They call me XXXX although I have not verified my identity in any way. They blocked me from calling back even though I was trying to ascertain what this is about. I was passed around to XXXX people who told me I owed them money. I can't believe it is okay to call someone at XXXX and tell them they owe money and hang up on them when they ask what is going on. I told them that they were violating the FCRA, and they told me good luck proving that. I am not being stalked by a company that I never chose to engage with. They just hang up on me and call me from other numbers. They have shared a full name, birthday, and financial information with me without verifying whom they are speaking to. I have the calls recorded. This is harassment.
Company Response:
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Account is stating incorrectly on credit report previously account was stating as a collection, derogatory and charge off all at the same time with XXXX XXXX and XXXX XXXX was not reporting any data account on credit report. Requested to verify or delete as I do not recall having this account open. I did not receive any documents verifying debt as mine rather results to investigation came back still reporting incorrectly. Account is now removed from collection to back to a open account type. XXXX is reporting comments of collection yet records payments on payment history Stating as OK as agreed all the way from XX/XX/XXXX to XX/XX/XXXX with120 days late on XX/XX/XXXX where previously account had no history whatsoever. Completely forgetting to record payments on date last payment. XXXX is reporting consecutive charge off from XX/XX/XXXX all the way to XX/XX/XXXX as if it was some sort of payment method. Date last active is incorrect stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX by XXXX and XX/XX/XXXX by XXXX. This account is a total mistake there is no possible way that account can go from collection to back to an open account reporting no payments to adding payment history on one bureau and then the next bureau reports the whole opposite no doubt account is a mistake itself.
Company Response:
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The original creditor XXXX XXXX Bank ( XXXX XXXX ) Account no. XXXX charged the original debt off and without my consent ( written or oral ) sold to Midland Credit Management.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Account is a total mistake itself. Previously reporting collection while derogatory/ charge off at the same time with inaccurate date last active reporting zero data on payment history and date of last payment with XXXX XXXX and XXXX XXXX reported no account whatsoever. Currently account is stating as open account. Now, added payments to payment history stating as OK as agree all the way from XX/XX/XXXX to XX/XX/XXXX with 120 days late on XX/XX/XXXX and XX/XX/XXXX by XXXX while XXXX is reporting consecutive charge off as if it was some sort of payment method. date less active stating incorrectly reporting as XX/XX/XXXX by XXXX and XX/XX/XXXX I XXXX while XXXX Reports XX/XX/XXXX yet data is missing on the last payment there is no possible way that account couldve gone from collection back to open account from reporting zero data on payment history to reporting a whole report of payment history by XXXX while XXXX reports nothing but charge-off and XXXX XXXX is definitely not reporting any data on payment history. This is not tolerated information must be 100 % accurate at all times.
Company Response:
State: IA
Zip: 50320
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2022 I called Midland credit management to pay off 3 items in my credit report totaling XXXX. The person I spoken with advised me that the items would be removed in 30 days. On XX/XX/XXXX I noticed that the items were still showing on my credit report. I called Midland credit management back and he told me that the items werent paid for and that Id have to pay them again. To let him theres no way my paying twice.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND CREDIT MANAG Last reported XX/XX/2022 {$5400.00} Open balance Improper use of my credit report. In accordance with the fair credit reporting act, this creditor, MIDLAND CREDIT MANAGEMENT has violated my rights Under section 15 U.S.C. 1681 section 602, states I have the right to privacy. 15 U.S.C. 1582 section 604A state to consumer reporting agencies a creditor can not purchase and furnish account information without my instructions 15 USC 1666 B states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose It is my request that this account be removed from my credit bureau XXXX XXXX and any other credit bureau
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Multiple calls a day, including calls that stack on top of each other like minutes between phone calls, I have asked them to stop calling many times and told them I would report them if they did not stop, they continue to call. Today XX/XX/XXXX at XXXX they called twice so close to each other that the time stamp for both calls in my phones logs are stamped for XXXX and XXXX. A day before at XXXX and XX/XX/XXXX XXXX stacked calls at XXXXXXXX XXXX and XXXX they are calling like this non stop even after I have asked repeatedly for them to make no more contact. They constantly change the phone number they call from as well as if it were an attempt to hide who they are
Company Response:
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A