Date Received: 2023-12-11
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: On XX/XX/XXXX I received several calls from two different XXXX XXXX. The first was from Midland, formerly XXXXXXXX XXXX. I told XXXXXXXX XXXX XXXXhe first time they called I could not receive calls at work that the numbers they had listed was for work purposes only. I asked them to remove the number, it wasn't even to my area. I received a call from a gentleman on the XXXX weeks later. I answered the phone with the with our company name as required. He asked for me and said who he was with. I told him to removed the number this was a number he shouldn't ever call. At this time I was surrounded by team members. He said he will remove the number but since I was on the phone he wouldn't take long. He began telling me this was in reference to a legal matter. I tied stopping him without alerting the team members around me what the call was about but he continued on for several minutes and I eventually said please remove my number and hung up. I went to lunch and when I returned a Manager in another department asked me if I received my phone call it seemed important when I returned to my area my coworker was on the phone telling someone I was at lunch. When she sat down she told me I had several calls from an attorney in refence to a legal matter. When I looked on the caller ID there was another call from Midland and a call from XXXX XXXX XXXX XXXX She told me they keep calling and I better go handle it. I had to leave work early and I was so embarrassed, I still am. I called XXXX XXXX and at she said she never said that and later in the call she denied even calling but the number is in the caller ID. By the end she said it must have been the legal department. When I called Midland they sent me from person to person and refused to even take a complaint just saying sorry for the inconvenience. They even attempted to discuss the debt rather than give a supervisor. Finally I got someone who said she was a supervisor and claimed she took a complaint but I don't think she did.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: midland funding acct XXXX they continue to contact me via mail even though account is currently being handled by XXXX XXXX XXXX Acct. XXXX. Midland Funding sent a multiple page document to fill out get notarized and send back to them called Aid of Execution attaced was court document over 7 years old.I have been working with XXXX XXXX XXXX and in current incapacity to repay they issued a financial hardship status letter. This debt was less than {$700.00} and is over 8 years old. I just dont get how they can continue to send letter after letter when they themselves turned it over to XXXX XXXX XXXX
Company Response:
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Midland funding keeps making false payments on my payment history record ; not even trying to be believable, saying I've made 1 & 2 dollar payments and when I dispute those payments they just remove them and add new ones. I do not like all the misleading activity and feel helpless. Please help me handle this by the Fair Debt Collection Practices Act Midland Funding should be removed from my credit report effective immediately. I have disputed many false payments made on my reports even payments of 1 & 2 dollars just to look later and they've added new false payments just different dates. I was unaware of all this until XXXX when I started to try & keep track of my credit. I actually forgot about all this because I have not made a payment on this since the XXXX of a loved XXXX XXXX. I believe they have been & are illegally trying to prolong their credit case against me & probably other people. ALL MIDLAND FUNDING ACCOUNTS NEEDS TO BE INVESTIGATED TO FIND ALL CRIMINAL ACTIVITY
Company Response:
State: OK
Zip: 73107
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Date : XX/XX/2023 Re : Inaccurate Collection Account - Immediate Removal and Compensation Demanded I am writing to express my outrage and demand immediate action regarding an inaccurate collection account falsely listed on my credit report. These accounts, originating from XXXX XXXX XXXX, Midland Funding LLC and XXXX XXXX XXXX are unauthorized and violate the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including the fundamental principle of privity of contract. Specifically, these account violate : Privity of Contract : I have never entered into any contract or agreement with XXXX XXXX XXXX, Midland Funding or XXXX XXXX XXXX and therefore they have no legal basis to claim any debt from me. This fundamental principle of contract law makes the inclusion of this account on my credit report entirely illegitimate. FCRA Section 615 ( a ) ( 1 ) : XXXX XXXX 's, Midland Funding LLC 's and XXXX XXXX XXXX XXXX obligation not to furnish inaccurate information to credit reporting agencies. FCRA Section 621 : XXXX XXXX XXXX, Midland Funding 's and XXXX XXXX XXXX potential liability for failing to comply with the FCRA, including actual damages and a penalty of $ 100- {$1000.00}. Fair Debt Collection Practices Act ( FDCPA ) and Rosenthal Fair Debt Collection Practices Act ( RFDCPA ) : Prohibitions against selling or purchasing illegitimate debts. Federal laws : 18 U.S.C. 1341 ( Mail Fraud ) and 18 U.S.C. 1343 ( Wire Fraud ) regarding deception and fraud. I have never had any dealings with XXXX XXXX XXXX, Midland Funding or XXXX XXXX and have not granted them permission to access my name, likeness, or credit data. Their inclusion of this account on my credit report constitutes a reckless disregard for my rights, a clear violation of the law, and a fundamental breach of the principle of privity of contract. I demand the immediate : Investigation of this matter by the CFPB. Removal of the inaccurate collection account from my credit report by XXXX XXXX XXXX, Midland Funding and XXXX XXXX XXXX. Compensation for my time and effort spent disputing this illegal account. Failure to comply with these demands will force me to pursue all legal avenues available to protect my rights and seek full compensation for the damages I have suffered. Thank you for your prompt and serious attention to this critical matter. Sincerely, XXXX XXXX
Company Response:
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account was opened fraudulently. I was XXXX when this was opened Ive advised the company and sent disputed them them and the credit bureaus with not response and no change in reporting
Company Response:
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent a letter asking XXXX, to reinvestigate my accounts. Here is my tracking # XXXX. It has been over thirty days without a reply. I'm trying to buy a house for my family and XXXX hasn't sent me anything. They also haven't modified the accounts to ensure everything is 100 % accurate, nor have they updated the current status of the disputed information, which is another violation. This is causing me stress. I feel helpless because the credit bureaus ae not doing their job. According to 15 USC 168, XXXX, XXXX, and XXXX have XXXX days to investigate and send me results. I have all the evidence attached below
Company Response:
State: PA
Zip: 17325
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-09
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Midland credit management stating that I open a credit card with them. When I never did
Company Response:
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The debt was written off charged off they sent letter saying I owe a amount of XXXX I asked them to send in writing I was told they would be sending me a court date due to non payment and it was like theft I sent a letter requesting them to send contract I signed and all my payments in regards to this debt this was XX/XX/2023 I also disputed it with credit company XXXX XXXX and XXXX Ive received calls every other day telling me to pay or I will be brought up on charges I asked the to stop calling but they still do over and over
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I may have given you written or unwritten, verbal or non verbal in accordance with 15 USC. 6802.
Company Response:
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management sent me copies of alleged debt but no original signed contract. They sent me more than 5 copies of past due notices and no original signed contract and continued to report this account as late.
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A