Date Received: 2022-08-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call all hours of the day and night all the way from XXXX to XXXX 7 days a week. They call when I'm at work and have told I can not take personal calls while there. Newest calls are everyday from different phone numbers I've had 4 just today, 3 yesterday, 7 on Sunday.
Company Response:
State: TN
Zip: 38122
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXXXXXX XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. XXXX XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response:
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Midland Credit Management Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602A, states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency can not furnace an account without my written instruction.
Company Response:
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Requesting original contract, creditor information, payment history and proof of ownership for the debt amount of {$6900.00}
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I did not receive validation of debt via mail or electronically.
Company Response:
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2022. I made a phone call to Midland Funding in regards to the validity of two reported debits from XXXX bank and XXXX XXXX XXXX in the amount of {$430.00} as granted by the Fair Credit Reporting Act. I requested the following documentation ; Original contract from the merchant with signature, Original merchant information, Itemized billing statements, and proof of ownership from the current debt collector. On XX/XX/2022 I received all requested documents except the original merchant contract for XXXX XXXX and absolutely none for the XXXX bank. On XX/XX/2022 I once again contacted Midland Funding and requested the missing information only to be told by the operator that they had no other documentation in regards to the debts. I inform them that this was a violation of the FCRA and that if it is not removed from my credit i will be filing a complaint.
Company Response:
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: My name is XXXX XXXX, my date of birth is XX/XX/1999, my credit reports for XXXX, XXXX, and XXXX show differently. In addition, there were several accounts opened before I was and adult and they should be removed. These accounts are in collections with XXXX XXXX Midland funding, XXXX XXXX. I never charged anything on those accounts. I would like them removed and my birthdate corrected.
Company Response:
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit Management Inc. is attempting to collect a debt that was not authorized by me. It has been concluded that I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX. This debt collector has failed to This debt is not mine. In accordance with the Fair Debt Collection Practices Act, I have requested that they stop collection proceedings against me and cease communications with me about this debt, except to comply with section 615 ( g ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), I further request, pursuant to section 615 ( g ) ( 1 ) of the FCRA. I have sent via USPS certified mail a letter directly to Midland in response to their letter dated XXXX XXXX in which they claim I owe the debt. Midland Credit Management Inc. went to court and put a judgement against me, unlawfully. I have never had the opportunity to say my part, or respond to the action.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I get phone calls almost every day, I block the calls on my cell phone and then the company calls with another number. Sometimes more than once a day. I keep blocking and the company keeps calling. Its MIDLAND CREDIT MANAGEMENT. Sometimes it appears on the screen as MIDLAND CREDIT MANAGEMENT and sometimes as MCM. But always with different phone numbers. No matter how many times I block the calls, they call with another number. I do not owe any debts at all this is just a robo call scam.
Company Response:
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I submitted a complaint earlier this month and everything the company has responded with is completely false. This company has violated MANY federal regulations in regards to proper debt collection. I have sent a total of 5 requests for debt validation, all of which have been ignored. They are unable to produce the validation required so that I can ensure this is my debt. The amount they are reporting is in fact invalid and was confirmed invalid when I reached out to XXXX XXXX They have listed on my XXXX credit report and XXXX that this account was with a lawyer when in fact it is not. They have had people pretending to be lawyers call my home and family members with threats to sue, people have called and left threatening voicemails claiming they will come to my job and serve me with court orders, they have called my family members and told them they wanted to know my whereabouts so that they could have me served with court papers in reference to this debt. I have NEVER given this company permission to contact anyone in reference to this debt. My mother in law was called and given my whole social by someone from their office which is a breech of privacy and illegal. Every conversation I have had with this company has not been in guidelines with federal regulations of debt collections. A rep from their office called me while I was in the hospital giving birth to my stillborn daughter and threatened to have served with papers. Not one time did any of these reps mention that they were attempting to collect on a time barred debt which they are legally bound to do in trying to collect on a time barred debt. Further more I have saved voicemails and recordings of the company they have sold the debt off to who tried to threaten to sue me. Since they have sold this debt off to another junk debt buyer like them they are illegally reporting on my credit report. They no longer own the debt and have no legal right to continue to report anything on my credit report. The call I made to their office where I was told they had probably mailed the proof to the wrong address and refused to send another proof of debt out was XXXX of XXXX. Also their account that the debt is not due to come off of my credit report until XX/XX/XXXX is incorrect. Base off of my credit report the account was listed as deliquent in XXXX of XXXX ( which is false, after talks with XXXX XXXX the actual delinquency date was XX/XX/XXXX ) so that makes the account due to age out XXXX. of XXXX Credit reporting agencies go by last date of delinquency that was reported by the original owner not when the collection agency received the debt. They call from spoofed numbers and leave threatening voicemails. All of which is against federal regulations. While I was able to confirm there was a debt with XXXX attached to my name, they could not verify if I was the one who initated the debt. They have not been able to produce a contract with my signature and a detailed bill showing proof of the amount that was sent to collections.
Company Response:
State: SC
Zip: 29550
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A