Date Received: 2022-08-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I've contacted all 3 credit bureaus. I'm extremely upset with how XXXX and XXXX have delt with me. I sent 2 letters to them, First dated XX/XX/22 second dated XX/XX/22. I was told they did not receive either letter. They wanted me to file a complaint over the phone with XXXX of their employees. I did. However i asked them to send copies of corrected information, which they could verify through the hard copies i sent of reciepts and statements i got off line showing accounts paid. I also asked them to remove collections they did not belong to me. I also asked that they send information to me where i signed an agreement with these companies who had me in collections on my credit report. A corrected credit report. My current Credit Score. Neither XXXX or XXXX sent this information within the 30 days given. When i did receive information they had it listed as VERIFIED. No proof with my signature that i was responsible for the debt. The debt collectors was Midland Funding, XXXX XXXX, and XXXX. Midland Funding sent nothing to me with my signature. I was sent a notice asking that I pay {$630.00}. Nothing with my signature showing I owed this company. I rceived nothing from XXXX.
Company Response:
State: OH
Zip: 43224
Submitted Via: Web
Date Sent: 2022-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
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: Midland Credit Management has failed to comply with FTC Regulations and refuse to fix this issue. This is a clear violation of my consumer rights. They have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: When researching my credit due to divorce I discovered 2 judgments against me that I was never made aware of. I attempted to contact Midland Funding using the address on the judgments and the mail was returned undeliverable. These accounts are fraudulent due to identity theft.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have never heard of this BANK that they are claiming that I owe them.. It is on my credit report and its ruining my credit.. I tried calling I keep getting a foreigner on the phone that I cant understand.. I dont believe I owe this because I cant get anymore information about it..
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Midland Credit Management has repeatedly called from a blocked number AFTER I requested that they stop. The man on the phone was verbally abusive when I asked him to cease
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Received a warrant in debt on my doorstep without being properly served which is illegal in this state. Further, I have no one to speak with regarding this other than the collection agency, which is also illegal. Midland Credit Management is not listing the legally required information for the lawyer representing them in this case, as required by law. Further, they combined two separate accounts into one to file a lawsuit for a warrant in debt, I can not be served for two separate accounts under the same lawsuit.
Company Response:
State: VA
Zip: 20151
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: This complaint is in reference and in accordance with the Fair Credit Reporting Act ; this is in reference to Mid land Funding account # XXXX and XXXX account # XXXX XXXX XXXX XXXX XXXX states that individual consumer, I, have the right to privacy 15 USC 1681section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions
Company Response:
State: MA
Zip: 02186
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have any debts at all. Midland Credit started calling me non-stop. Initially I called back and told them I do not have any debts. Person confirmed but Midland Credit never stopped calling. They call Saturdays and Sundays and late at night.
Company Response:
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX The above sent me a collection notice XX/XX/XXXX XXXX XXXX XXXX XXXX says I owe them XXXX for items I ordered in XXXX, XXXX. The bill is addressed to : XXXX XXXX ... t XXXX XXXX XXXX XXXX XXXX, CA XXXX I never have lived in California! I had an account with XXXX several years ago, but I closed it and destroyed the card. Someone has my info and has used it to incur this debt. My home has been in Arizona since XXXX. I am reporting this to you because the collection agents said to report this to you.
Company Response:
State: AZ
Zip: 85024
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: NEW updated information NOTICE I claim harm by way of trespass, FRAUD and Breach of consumer Right to Privacy. Notice, it is a fact pursuant to 15 USC 1692 ( a ) congress states there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Congress also states that abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. YOU BROKE THE LAW I HAVE THE RIGHT TO PRIVACY. It is a fact, pursuant to 28 USC 3002 ( 15 ) ( A ) the term " United States '' means a Federal Corporation. It is a fact, I am a federally protected consumer a natural person pursuant to 15 USC 1692a ( 3 ). It is a fact, I am the originator, the original creditor who regular extends credit creating a debt pursuant to 15 USC 1692a ( 4 ). It is a fact, pursuant to 15 USC 1692a ( 5 ) the term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. Notice, it is a fact pursuant to XXXX XXXX XXXX ( XXXX ) Midland Credit Management is stating i the consumer a natural women is obligated to pay. I disagree. This is an alleged obligation. My consumer credit transactions were primarily for personal, family and household purposes which is the legal definition of debt. It is a fact, Midland Credit Management is a debt collector pursuant to 15 USC 1692a ( 6 ). Any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another is in fact a debt collector. It is a fact, pursuant to 15 USC 1692b ( 2 ) not state that such consumer owes any debt. In fact, this is a violation of my consumer rights. See Exhibit It is a fact, pursuant to 15 USC 1692b ( 5 ) Midland Credit Management shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in t he debt collection business or that the communication relates to the collection of a debt. In fact, this is a violation of my consumer rights. See Exhibit It is a fact, Pursuant to 15 USC 1692e ( 2 ) Midland Credit Management is attempting to collect on an alleged debt that is in the positive amount. Which in fact is a false representation of the character amount or legal status of any debt. It is a fact, pursuant to 15 USC 1692e ( 2 ) ( a ) - The character is incorrect it should be negative. - The amount is incorrect correct it should be negative. I can't pay something in the positive amount. It is a fact, pursuant to 15 USC 1692e ( 10 ) Midland Credit Management unlawful, deceptive, misleading representative and unfair business practices can not use any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. In fact, this is a violation of my consumer rights. See Exhibit It is a fact, pursuant to 15 USC 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ) ( g ) requires Midland Credit Management to validate and verify ; ( 1 ). The amount of the debt ; ( 2 ). The name of the creditor to whom the debt is owed ; ( 3 ). a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ). A statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. It is a fact, pursuant to 15 USC 1692g ( b ) if any portion of debt is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. I am requesting a full account ledger to validate and verify alleged debt. Please do so under penalty of perjury or a sworn affidavit to prove lawful and valid claim. Violation of consumer right to privacy It is a fact, pursuant to 15 USC 6801 ( a ) - Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Please produce or provide a written consent or authorization form to prove contractual agreement. Failure to comply with federal laws or obligations leads me to believe you may be committing FRAUD and invasion of individual Privacy and shall incur a penalty or criminal liability of 111,000 for damages. It is a fact pursuant to 15 USC 6801 ( b ) ( 1 ) ( 2 ) ( 3 ) Midland Credit Management have violated my consumer rights to privacy by using my nonpublic personal and financial information without consumers consent or Authorization. It is a fact, pursuant to 15 USC 1692h If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. Notice pursuant to 15 USC 1692h I the consumer the original creditor in accordance with my direction. I am requesting a full payment of {$960.00} in the form of a check payable to see attachment for payment details. It is a fact, pursuant to 15 USC 1692k ( a ) ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ; ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs. It is a fact, Pursuant to 15 USC 1681b ( 2 ) I did not consent to or authorize Midland Credit Management to furnish anything on my consumer report, consumer file or credit report. I am demanding this account be removed or deleted from ALL my consumer reports, consumer files and ALL credit reporting agencies immediately. MCM # : XXXX Creditor : XXXX XXXX XXXX XXXX. Account # : XXXX Regards, XXXX XXXX Copy to ; Registered agent Midland Funding LLC Office of Attorney General Consumer Protection Department Consumer Response Center Federal Trade Commission XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A