Date Received: 2022-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Credit management is reporting a debt that does not belong to me. I have been a victim of identity theft.
Company Response:
State: OH
Zip: 45224
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Basic code of 15 usc1681 ( b ) ( 2 ) any company reporting on your consumer report needs my written permission to do so.. if my permission was not given you violated my rights to privacy pursuant to 15 usc 168 ( a ) ( 4 )..
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland failed to provide proof of debt, failed to provide original contract with my signature, failed to provide original terms of loan, failed to provide any proof the account belongs to me
Company Response:
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE ACCOUNT YOU HAVE IN MY NAME NEEDS TO BE PERMENTLY REMOVED OUT OF YOUR SYSTEM.AND REMOVED FROM MY CREDIT REPORTS. XXXX XXXX XXXX. THE ORIGINAL CREDITORS WAS OPENED WITHOUT MY KNOWLEDGE THE ACCOUNTS WERE UNAUTHORIZED WHICH ENTAILS IT SHOULD HAVE NEVER WENT TO YOUR COMPANY FOR COLLECTIONS. I HAVE DISPUTED THESE ACCOUNTS BEFORE WITH MIDLAND CREDIT MANAGEMENT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX YOU CLOSED AND " SOPPOSEDLY '' DELETED THIS ACCOUNT FROM YOUR " SYSTEM '' FOR THE REASONS IVE STATED HERE. FOR SOME ILLAGETAMATE REASON, ONLY XXXX KNOWS WHY YOU REOPENED THE ACCOUNTAND REPORTED IT BACK TO THE CREDIT BEAREAUS AGAIN. WHAT IS WRONG WITH YOU PEOPLE! NOTHING HAS CHANGED, NOR IS IT GOING TO, WITH ALL DO RESPECT HOW MANY DIFFERENT WAYS AND DOCUMENTS DO I HAVE TO SEND TO YOU FOR YOU TO REALIZE THE ACCOUNTS ARE NOT MINE.. ALSO YOU HAVE NO SIGNED DOCUMENTS, CONTRACTS WITH MY WET SIGNATURE ON IT YOU NEED TO PERMENTLY CLOSE AND DELETE THIS ACCOUNT FOR GOOD OUT OF YOUR SYSTEM AND REMOVE THE ACCOUNT FROM MY CREDIT REPORTS, ALL XXXX ARE VIOLATING MY CONSUMER PROTECTION RIGHTS UNDER FCRA U.S.C.15 SECTION 604A , 602A AND 607 I HAVE ENCLOSED DOCUMENTS FOR YOUR CONVIENCE AGAIN IF NEED BE I WILL PROCEED WITH LEGAL ACTION THANK YOU FOR YOUR COOPERATION ACCOUNTS TO BE REMOVED MIDLAND CREDIT MANAGEMENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is XXXX XXXX and I am submitting this complaint on behalf of myself there is no third party involved. On XX/XX/XXXX for the amount of {$670.00} and the other one was on XX/XX/XXXX for the amount of {$570.00} XXXX XXXX XXXX XXXX obtained my consumer report and file without a permissible purpose. XXXX XXXX XXXX XXXX is also reporting unauthorized inquiries on my consumer report.
Company Response:
State: CA
Zip: 93033
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: These companies are furnishing inaccurate and incorrect information to the consumer reporting agencies. and causing damage to my reputation and well being. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of 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. As defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary income, Income does not get reported on the Consumer Report which in fact makes your reporting of this account inaccurate! By definition The IRS Clearly says a Cancelled debt or Charge-off is income. The reporting of this account as a debt is inaccurate. MIDLAND CREDIT MANAGEMENT, XXXX XXXX, XXXX XXXX XXXX, IS A FURNISHER of information to a consumer reporting agency. Therefore they are prohibited to furnish inaccurate information.
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In the past month Midland Credit has called 112 times. The worst being 22 times in one day. They are now attempting to use spoofed numbers as shown in the provided log. Debt or no debt, this is harassment. Screenshots of call log provided.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a federally protected Consumer, the consumer comes now to dispute any alleged claims you currently are reporting as a consumer debt on the consumers credit report. The Consumer is requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). FURTHERMORE, the above consumer DEMANDS the following below : Account Name : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Company Response:
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
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: I received the first letter from Midland on XX/XX/2022, with a statement from the original creditor XXXX XXXX XXXX You sent me a letter with statements attached from XXXXy XXXX and a back page showing you purchase the debt from XXXX XXXX XXXX By CFPB subpart 2 regulation F you still did not validate any debt, you only sent me statements from the original creditor ( XXXX ) showing that you purchase the debt. I have also sent proof to XXXX of the law, and they still fail to remove off my credit file. Per 12 CFR Part 1006 - Fair Debt Collection Practices Act ( Regulation F ) subpart b CFPB 1006.34 Notice for validation of debts. ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) The last statement date, which is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor ; Official interpretation of Paragraph 34 ( b ) ( 3 ) ( i ). 1. Last statement date. Under 1006.34 ( b ) ( 3 ) ( i ), the last statement date is the date of the last periodic statement or written account statement or invoice provided to the consumer by a creditor. For purposes of 1006.34 ( b ) ( 3 ) ( i ), the last statement may be provided by a creditor or a third party acting on the creditors behalf, including a creditors service provider. However, a statement or invoice provided by a debt collector is not a last statement for purposes of 1006.34 ( b ) ( XXXX ) ( i ), unless the debt collector is also a creditor. You sent me a letter just advising me of the original creditor for XXXX, date of charge off, and the date you purchase the debt. You did not provide me what the law say you must provide when requesting for validation of debt. You are also not a creditor per CFPB subpart A 1006.2 Definitions. Regulation F ; For purposes of this part, the following definitions apply : ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another. So as a company you are being misleading and also deceptive with using the term or trying to claim that you are the original creditor. You are a debt buyer and per your website you claim Midland Funding, LLC is one of the nations largest owners of unpaid debts. Midland Funding owns accounts that have been charged off by the original lender. Charge offs happen after a lender doesnt receive payments for a period of time or payments are less than the minimum amount due. Lenders then close these accounts and sell them to companies like Midland Funding or MCM. So how can you claim to be a creditor that does not offer credit, but also state on your website you purchase charge offs? Like I advise in my first complaint you do not have any rights putting your purchase of a charge off of an alleged debt, that was written off on a company 's balance sheet, and claimed on the company 's corporation taxes as loss income on my credit report. Once that company has charge off any debt and include on their XXXX XXXX corporation taxes as bad debt ( charge off ), it is now considered loss income for that corporation and now that charge off becomes income for the consumer. If you are not aware of this, income is not reported on credit, so you are reporting income on my credit report which is not legal at all. Unless you can provide me with proof and documentation that XXXX never written or claimed this charge off on their corporation taxes, that you where transfer that debt to collect on XXXX behalf XXXX then you have no rights to report or collect any so-called debt from me. You purchased a bad debt/ charge off that has been written off from the prior and original creditor, assuming you have the rights to collect, but honestly you don't. Delete off all 3 of my credit reports and send me a letter showing proof, thank you!
Company Response:
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Informed this debt collection company that my only source of income is social security. On XX/XX/2022, I received a document from this debt collection company labeled ( XXXX XXXX ), suggesting this is an official document.I also asked this collection company to provide a detailed amount of this debt of which they did not.
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A