Date Received: 2022-07-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, MIDLAND CREDIT MANAGEM added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold, and I am not responsible for this account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or writing signature for this accused debt at all. A bill without a writing signature does not validate the debt, and anybody can send a bill and say it's mine. According to the FCRA, MIDLAND CREDIT MANAGEM has violated my rights as a consumer, and I'm requesting legal action to remove this account immediately.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company MIDLAND CREDIT MANAGEMENT , INC is trying to collect {$810.00} from me for an account they claim I owe. I have sent certified mail via USPS demanding they comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with competent evidence bearing my signature on it as follows : " I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' As of XX/XX/2022, yet again, Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Midland Credit Management has been made aware that a printout of a bill or itemized document does not constitute verification, per the FTC opinion letter from Attorney XXXX XXXX XXXX. Additionally, I have asked Midland Funding to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money while unable to provide any viable documentation bearing my signature wherein, I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Company Response:
State: TX
Zip: 76109
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company MIDLAND FUNDING, LLC is trying to collect {$6200.00} from me for an account they claim I owe. I have sent certified mail via USPS demanding they comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with competent evidence bearing my signature on it as follows : " I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. '' As of XX/XX/2022, yet again, Midland Funding has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Midland Funding has been made aware that a printout of a bill or itemized document does not constitute verification, per the FTC opinion letter from Attorney XXXX XXXX XXXX. Additionally, I have asked Midland Funding to please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. They are in violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money while unable to provide any viable documentation bearing my signature wherein, I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Company Response:
State: TX
Zip: 76109
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: dispute all my collection account some still my information an send all the account to collection
Company Response:
State: FL
Zip: 33168
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: have sent 3 certified letters to both companys with no solution to the problems, per 15 USC 1692g this company was to notify me of this account, i was not notifited as the original creditor only i can validate this debt. i do not validate this debt therfor this account must be deleted. the reporting of this account is in violation of 15 usc 1681 and the fair credit reporting act 15 usc 1681 ( a ) ( 2 ) ( B ) furthermore, Regulation F Under the FDCPA section 1006.30 ( a ) generally prohibits debt collectors from furnishing information to a consumer reporting agency before debt collector either speaks to the consumer, and or sends validation notice and waits a reasonable time to receive notice of undeliverable.
Company Response:
State: KY
Zip: 42001
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail from this debt collector saying that I owe XXXX XXXX XXXX when I have previously disputed this debt directly with XXXX XXXX & had it removed from my credit report some years back. This company is trying to collect on a debt thats not even owed. Im requesting for them to send me information proving a debt before I even decide to pay a dime because right now my credit is important & dont need any surprise items inserted onto my credit report
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX XXXX data this account is not mine XXXX XXXX Acct # XXXX {$870.00}
Company Response:
State: AK
Zip: 99508
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This company reported an account from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, in the amount of {$780.00}. This collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies. From a previous complaint that I have filed against this company through the CFPB under complaint # XXXX, I indicated the same complaint as above. The company responded that they sent a validation letter on XX/XX/XXXX and that it was not returned as " undeliverable ''. I dispute this as I have lived abroad since XX/XX/XXXX and I have not held a US address through a US based mailing service since XX/XX/XXXX. So it is impossible for Midland Credit Management to state they have sent me any notification. On XX/XX/XXXX, I was living in XXXX, XXXX, as per the XXXX long stay notice attached. No validation letter was received at my address in XXXX, XXXX from Midland Credit. So again, this collection agency is in violation of FDCPA 809 ( a ) for not providing a collection notice within 5 days after initial communication. This was not done 5 days after reporting it to the Credit Reporting agencies.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have recently noticed 2 collection accounts from midland funding appearing on my credit report one for {$1900.00} and another for {$1500.00} with XXXX XXXX as the original creditors that I never received any written notification for
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was notified by a company that a card was used under my name that I was unaware of. Also someone made a payment as if it was me. So I would like to file charges if possible. At no point of time that I gave anyone my information to use or give them permission to use my information.
Company Response:
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A