Date Received: 2022-08-23
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: My wages were garnished due to this disgrace of a debt collection company using XXXX XXXX XXXX to take me to court. They never served me and could not prove that they did on XX/XX/XXXX in court. They served some man back in XXXX of XXXX that claimed to be my roommate. I live alone, work from home, and had been home working on the day that they served whomever this man was at THE WRONG ADDRESS! I tried to settle this debt in multiple occasions after I found out about XXXX XXXX XXXX on XX/XX/XXXX of XXXX when my HR told me these people reached out to them asking for personal information. I had no idea who they were. I called and some lady started yelling at me like a maniac because I wouldnt give her my personal information. I dont know who you are so why would I? I called Midland to tell them that I knew nothing about this lawsuit and had been trying to settle it since I learned about it. The law firm refused to settle because I wouldnt give them a financial statement. LEGALLY I do not have to!! Instead they tried to bully me into this by garnishing my wages. I could not afford this and had to empty my account because of these disgusting, unethical, XXXX XXXX law firm. When I reported their tactics to midland, some XXXX guy using a fake name said he would have some department call me back and they never did. I dont run from my responsibilities and the fact I tried to settle this is good faith and was met with yelling and very rude people is by far the most disgusting part about this. The debt was charged off while I was STUCK IN XXXX DUE TO COVID 19 AIR CLOSURES FOR ALMOST A YEAR IN XXXX. The original debtor was aware and couldnt hold onto the account and I understood. I came home and got a job in XX/XX/XXXX. I had been trying to settle with the original debtor through the credit repair company that I had hired because I wanted to get my cards back. It was not my fault the world shut down. They put me through all of this nonsense and had the audacity to tell me to not be angry. Youve embarrassed me at my job, youve harassed me, and used a con of a law firm who couldnt even serve the right address which gave me no time or room to even settle this because they filed a judgment against me based on serving a complete stranger! There are XXXX addresses where I live that are identical except separated by street, court, circle or place. We barely get our mail delivered to the right address. They served another address and then used my real address on the service. XXXX XXXX I called today to get this removed from my credit and some other XXXX guy with a fake name told me to call back in 7-10 days so that they can verify with the law firm that the debt is paid. I want this off my credit and I hope both the law firm and Midland get hit with a class action law suit for their unethical tactics. People like me who are not running from their responsibilities do not deserve this treatment.
Company Response:
State: IL
Zip: 604XX
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My account was closed and sold to another company.I didnt hear this company permission to my information.The company calls and mail me harassing letters about sueing.I have explained to them that I know nothing about there company and to stop calling but it continue to go on.
Company Response:
State: GA
Zip: 31088
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom it May Concern, I am writing this letter voluntarily and of my own free will. I've discovered that my credit reports include errors, and the FCRA statute requires that they be checked by real people rather than computer programs. Speaking with people I know will serve as verification, as secondary credit reporting organizations ' information is frequently wrong. As the source of this material, I demand that it be deleted right away. 1. Offer proof of the debt, such as real accounting. 2. A signed invoice serving as proof of their claim against you. 3. A copy of the contract that binds both you and the other party ; send this letter by recorded delivery so that there is a third party to attest to its delivery. This letter is to inform you that the below referenced accounts being reported by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I have recently opted out from all secondary credit reporting so please do not rely on them for accuracy for they should not be sharing any of my information. I recently tried to verify these accounts with the credit reporting bureaus. You have yet to provide proof other than word of mouth. Where are the documents and authorizations for these accounts? I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct a full investigation and provide me with the documents showing where these accounts originate. Please provide documented proof that I am the owner. Lastly please remove the following collection accounts and negative information from my credit reporting profile : These accounts are not mine. My credit report was accessed under false pretenses which is identity theft. I will be filing consumer complaints so that these companies are fined for the vicious and malicious practices. I will sue if necessary 15 USC 1681 requires all information to be accurate and verified. No one verified any one of the above information. My rights are being violated. I have the right to privacy and did not give anyone permission to furnish this information. No accounts can be furnished on my report without my written permission A copy of the information you send me will enable me to conduct my own investigation into the accuracy of your records and confirm that a reasonable investigation was carried out. I am also asking you to send me an explanation of the procedures you followed and a description of the records you reviewed when you conducted your investigation. I'm making use of my ability to obtain information about these issues included on my consumer credit report under Section 609 of the Fair Credit Reporting Act. I have a right to inspect the information 's origin, which is the original contract bearing my signature, in accordance with section 609. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Company Response:
State: PA
Zip: 177XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My ex wife, signed my name to a credit card as a co owner. I never knew, until I got a letter from her bank, this was in 2008 I showed it wasn't my signature, and thought that was it, she filed bankruptcy on it, and now 16 years later I'm, having my pay garnishment, I filed a police report. I have a wife now who is XXXX. And I only work
Company Response:
State: TX
Zip: 776XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am disputing Midland Funding I have never had a dept or agreement with this company I am requesting proof or a written agreement that I have with this company this company is trying to collect from me and I do not owe them I am requesting that they remove this negativity from my report immediately
Company Response:
State: GA
Zip: 30058
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: On XX/XX/2022 Midland Credit Management Inc filed a lawsuit against me in Superior Court. Until I was served the lawsuit documents I had no idea this debt collector existed as they did not properly notify me that the debt was owed. The Debt Collector violated 15 USC 1692g in the way they did not notify me of my rights or provide me with the initial notice of my right to dispute the debt. I did not receive any notice until after the lawsuit was served on me which did not contain any of the required information. That notice also did not contain any information regarding my rights as a consumer as set forth by the FDCPA in regulation F.
Company Response:
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management will not validate the debt with original documentation and Midland Credit Management keeps pulling my credit and stating they are an original creditor, they also sued me in the wrong jurisdiction and the case was dismissed.
Company Response:
State: MA
Zip: 02131
Submitted Via: Web
Date Sent: 2022-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I first was made aware of the fraudulent account in XX/XX/XXXX when the debt collection agency, " Midland Credit Management, '' appeared on my credit report citing a credit card account that had been opened with XXXX ( that I never opened ) on XX/XX/XXXX and which went to collections in XX/XX/XXXX for an amount of {$4100.00}. To date, I have never received any correspondence from XXXX or Midland Credit Management by phone, mail, or email. I immediately called XXXX to inquire about this account and was told there was no history of an account ever opened with my social security number. They advised me to file a dispute with the 3 credit bureaus. However, there is no record of XXXX on my credit report. There IS only record of Midland Credit Management. I did file a dispute with the credit bureaus in XXXX of XXXX against Midland. I believe that Midland Credit Management has wrongfully associated me with someone else 's debt. I have recently hired a lawyer to help with this dispute.
Company Response:
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: CFPB + Midland Credit Management + XXXX XXXX, On a recent review of my credit report, I discovered MIDLAND CREDIT MANAGEMENT reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. Attached to this complaint are : - My drivers license - My social security number - My address - My letter
Company Response:
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Midland credit management , XXXX had a open closed case with me and is report Three accounts to all three credit reporting agency XXXX, XXXX and XXXX that was voluntary dismissal WITHOUT prejudice. This has affected me where as i could not get a refinance loan.
Company Response:
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2022-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A