Date Received: 2022-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my credit report. I previously request debt validation via certified mail and advised that I am a victim of identity theft. Your office failed to respond to my debt validation request. For the record, I have no knowledge of this account. I am a victim of identity theft and did not open this account. I am requesting that this account be removed from my personal credit report, as this account was opened fraudulently. I have placed a fraud alert on my credit profile to prevent this from happening again. Please restore my credit back to good standing by removing this account ( XXXX ) which I did not open.
Company Response:
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Funding is a collection agency that repeatedly adjusts the amount of the debt in order to keep it active. They reduce it {$1.00} then raise it {$1.00} in attempts to circumvent the aging out of the account. Due to that nefarious practice, Midland Funding, by continually adjusting the amount of the debt, is creating damage to my credit score on a regular basis. The actual amount of the debt claimed is being fraudulently manipulated. Midland Funding is habitually violating the Fair Debt Collection Practices Act enforced by the FTC.
Company Response:
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: midland credit acct # XXXX opened XX/XX/XXXX XXXX {$1200.00} -- - account number is incomplete and is not my account XXXX XXXX acct XXXX XXXX opened XX/XX/XXXX XXXX {$1700.00} -- - account number is incomplete and is not my account it has been over 7 years that it has been reportXXXX XXXX XXXX acct # XXXX opened XX/XX/XXXX Balance {$16000.00} -- account number is incomplete 15 US Code Subchapter There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with impartiality and a respect for the consumer right to privacy. US Code 1681b Subject to subsection C, any consumer reporting agency may furnish consumer reports under the following and no other : In accordance with the written instructions of the consumer to whom it relates without written permission from me to publish my information with your bureau. Without the prior consent of the consumer given directly to the debt collector or the express permission of a count of competent jurisdiction. A debt collector may not communicate with a consumer in connection with the collection of any debt. Failure to remove these accounts immediately will result in a {$1000.00} fine. Note that a copy will also be sent to FCRA.
Company Response:
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022 i opened a credit account. Both my XXXX and XXXX are reporting a collection as an " open account '' which is not an open account and is under FCRA compliance. This is inaccurate reporting and needs to be removed immediately.
Company Response:
State: CA
Zip: 95307
Submitted Via: Web
Date Sent: 2022-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit harasses me by calling 2-4 times a day every day. I block their number and they just obtain new numbers to call me with. The debt they are trying to collect is over 10 years old. They call on weekends before XXXX and sometimes call 2-3 times in a row within seconds. That is harrasment and it is bothersome to my work day. I have pictures of call logs and of their calls and am considering legal action for harrasment.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/XXXX when a financial company ran my credit report at my request I found out that MIDLAND FUNDING is claming that I owe them money and I reporting a collection on my credit report. I was told that MIDLAND FUNDING is a collection agency who usually handles XXXX XXXX. They're stating that collection account was opened on XX/XX/XXXX on the amount of {$420.00}. During all these years I never received any letters, any phone calls or any form of communication from this company in their attempt to collect the alledged debt from me. All these years I was fully covered by the medical insurance provided by my employer and prior to that I was under Medical. I am unable to provide any letters to support my claim since MIDLAND FUNDING never made any attempt to contact me. This company made no attempt to reach out to me since this is not my account and they are wronfully reporting this on my credit. They are predators taking advantage of people like me who do not know how and that they can fight back.
Company Response:
State: CA
Zip: 90302
Submitted Via: Web
Date Sent: 2022-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I got a credit report and saw where Midland Credit Collections has sent reports to the three credit bureaus especially XXXX sometimes twice daily for at least 12 months or so. I just happened to have fraud on a company trying to secure {$18000.00} for computers. It was rejected and I received a letter informing me about this. This prompted me to ask for free credit reports. On the reports, I saw where my score was lowered to poor because Midland Credit Collections would send in inquiries twice a day for at least maybe 2 yrs more or less. I only noticed it when there was fraud on my account. Also, my info is on the dark web, whatever that is and my info has been exposed on several data breaches. Being a senior, I didnt know what was going on. But I do know my credit score has been impacted.
Company Response:
State: TX
Zip: 77489
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality un 15 U.S.C. 1681 List of accounts : XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 U.S. code 1681d. ( b ) ( b ) DISCLOSURE ON REQUEST OF NATURE AND SCOPE OF INVESTIGATION Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681C. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response:
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: midland credit management has been attempt to collect false debts accrued by XXXXXXXX XXXX has been contacting me directly attempting to collect debts from purchases never made by me, nor by credit accounts found on my credit reports.
Company Response:
State: CA
Zip: 91011
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX, and midland funding and XXXX i these off my credit old accounts and I have disputed over and over.
Company Response:
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A