Date Received: 2022-09-21
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: XXXX fundingXXXX XXXX XXXX. XX/XX/XXXX says updated XX/XX/XXXX. XXXX $ on my credit report sent into collections and I have no idea what this is, yet its still being updated!
Company Response:
State: KS
Zip: 67207
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There is a collection on my account and i have never had a account with XXXX XXXX.
Company Response:
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: MIDLAND CREDIT MANAGEMENT is reporting the wrong amount due I had a credit limit of XXXX. Also they are changing the reported date to current year instead of the original date which that is fraud.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland Credit Management have reported a collection which does not belong to me and they have re-aged the debt on credit reports to make it appear more recent. Midland have asserted the debt to me telephonically and have informed me that lawyers are in the process of filing a lawsuit, even though the statute of limitations has passed. Midland have asserted telephonically that the statute of limitations is 7 years and they can sue me for as long as they want. They have asserted telephonically that they can double the size of the debt when they choose to sue
Company Response:
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit managemnent calls and has sent a letter stating that I owe them XXXX. I have told them numerous times that this account theyre calling about is not mine and I have never applied for them. I have spoken to them multiple times about invistigating this as fraud. They sent a letter that says attorneys are going to sue me for this debt. I dont know what to do and I need help.
Company Response:
State: CA
Zip: 93277
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2022 Midland Funding communicated negative {$4400.00} billing information to credit bureaus XXXX, XXXX, and XXXX without consent directly or indirectly they are a 3rd party collection agency who by identity theft ( Privacy Act 174 15 USC 1692C ) received my personal information from XXXX XXXX XXXX Bank ( original debt collector )
Company Response:
State: GA
Zip: 30180
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, engelhardt v. gravens ( mo ) 281, SW 715,719. I presume that no proof of the alleged debt, nor therefore any such debt in fact therefore exists
Company Response:
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Back in XXXX, I had a judgement filed against me on XX/XX/XXXX. I did not receive notice of this court date or where to appear. In regards of me not appearing to a court date that I had no knowledge of, a judgement was entered in the amount of {$1700.00} ( Cause No. XXXX XXXX by XXXX XXXX XXXX XXXX on the behalf of Midland Funding XXXX LLC. This judgement was placed on my Business Credit of XXXX XXXX as a Lien and on my Personal Credit Report as a judgment, Herein, this has been updated as of XX/XX/XXXX. I have tried to dispute this several times off of my Business Credit report. It was disputed off of my personal credit. However, I have recently researched that Midland Funding, LLC is not licensed in the State of Mississippi.
Company Response:
State: MS
Zip: 391XX
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management , LLC has been harassing me with a fraudulent debt collection since XXXX of XXXX. And since that time up until now they have not complied with my request for verification bearing my signature. They have threatened me with court and I have also notices that on the letter head of every document that they have since mailed to me, the date is always inaccurate in order to make it seem as though they have responded earlier than the required time of 30 days to respond. I have already contacted the federal trade commission. CFPB, I implore that you help me with this fraudulent company and their erroneous claims, for they are in violation of the Fair Debt Collection Practices Act. On XX/XX/XXXX the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities. Instead, one or more debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to consumers and the debt collectors then continued collection activities on accounts in violation of section 809 ( b ) of the FDCPA.
Company Response:
State: NJ
Zip: 07112
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I applied for a XXXX credit card and was denied because of bad debt that was reported from XXXX. I have perfect credit so this was a shock. I have received phone calls and bills stating that I owed money in the amount of {$1400.00} to XXXX XXXX XXXX XXXX I spoke to Midland Credit Management and informed them that this wasn't my debt. I didn't initiate any transaction through XXXX. I have in the past requested documentation with no resolve.
Company Response:
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2022-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A