Date Received: 2022-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: account is listed as opened on XX/XX/2021 and balance shown is {$620.00}. the account type is showing as debt buyer. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the FTC will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Section 609 refers to a section of the Fair Credit Reporting Act ( FCRA ) that addresses your rights to request copies of your own credit reports and associated information that appears on your credit reports. 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] 607. ( a ) ( b ) ( c ) Compliance procedures [ 15 U.S.C. 1681e ] 611 - 15 U.S.C. 1681i Reasonable policies and procedures concerning the accuracy and integrity of furnished information ( 12 CFR 222.42 ) and Interagency Guidelines ( 12 CFR 222, Appendix E ) Each furnisher must establish and implement reasonable written policies and procedures regarding the accuracy and integrity of consumer information that it furnishes to a consumer reporting agency. The policies and procedures must be appropriate to the nature, size, complexity, and scope of each furnisher 's activities. In developing its policies and procedures, a furnisher must consider the Interagency Guidelines and may include its existing policies and procedures that are relevant and appropriate. Each furnisher must also review its policies and procedures periodically and update them as necessary to ensure their continued effectiveness. Direct disputes ( 12 CFR 222.43 ) General rule. A furnisher must conduct a reasonable investigation of a direct dispute ( unless exceptions, described later, apply ) if the dispute relates to : 1 ) The consumer 's liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identify theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; Duties of a Furnisher after Receiving a Direct Dispute Notice from a Consumer. After receiving a dispute notice from a consumer, the furnisher must : 1 ) Conduct a reasonable investigation with respect to the disputed information ; 2 ) Review all relevant information provided by the consumer with the dispute notice ; 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of investigation findings and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Referencing back to complaint XXXX on the date XXXX Referencing back to complaint XXXX on the date XXXX. This is an existing issue that still has not been resolved by MIDLAND FUNDING LLC. On XX/XX/2022 I, the consumer sent MIDLAND FUNDING a debt validation letter. On XXXX XXXX I, the consumer sent MIDLAND FUNDING LLC a cease in desist letter ; in response to your letter XX/XX/2022 you wrote that a cease and desist restriction only stops phone calls and mailings but in fact the law defines " communication '' when ceasing communication pursuant to 15 usc 1692c ( 2 ) " the term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. As I stated to you before my consumer report is in fact a medium so MIDLAND FUNDING LLC is breaking the law. On XX/XX/2022 I, the consumer sent MIDLAND FUNDING LLC an affidavit of truth via certified mail of all violations against me. On XX/XX/2022 I, the consumer sent a Fraud/aggravated identity theft letter to MIDLAND FUNDING LLC for not having my written consent nor permission to have my SSN which is aggravated identity theft in accordance with 18 U.S.C 1028A. As the original creditor I did not extend credit to MIDLAND FUNDING LLC.
Company Response:
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt was never mines to begin with. I have disputed this debt with the debt collector stating my identity had been stolen and a credit card was applied for in my name. This debt is drastically harming my credit score and I would like for this issue to be resolved.
Company Response:
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND CREDIT for committing theft and threatening to take legal action they have no grounds to take pursuant to 15 USC 1692i ( b ) I never gave MIDLAND CREDIT permission to use my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I was also contacted by phone in which I requested to be put on the do not call list in which they threaten me with a lawsuit. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding to cease and desist of all illegal activity, communication, and collection activity of this and any alleged debts until MIDLAND CREDIT can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and MIDLAND CREDIT continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND CREDIT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion pursuant to 18 USC 894, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Credit Management is contiuously harrassing and getting accounts wrong. They are saying that I owe a debt that not only has been paid but also others that are beyond 7 years old and somehow are only showing on my report in the last year. There are 11 derogatory marks on my credit report 9 of which are coming from midland and all have been " bought in the last two years '' for older accounts than 7 years ago. They have threatened legal action, call at all hours, mail harrassing letters, and when contacted threaten further. I am also being contacted through email as well. This has to stop. They have to stop.
Company Response:
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Funding has repeatedly attempted to collect debts from me that are much more than the original creditor has asked. Theyve placed a number of shady accounts on my credit file and have yet to provide me any proof that I have agreed to pay any additional fees on my balance to them
Company Response:
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been asked to pay a debt for {$280.00} to original creditor XXXX XXXX XXXX current owner Midland Funding LLC original account # XXXX, McM account # XXXX. I have been asking Midland Funding LLC to provided me with proof of the charges that were incurred in 2016. My request has fallen on deaf ears. I have not received the information requested as of now. I feel that I am being harassed to provide this payment without knowing what product/service was purchased in 2016. I am receiving a bill each month requesting payment which I will not pay until I am shown proof of what was purchased by me. I also received daily phone calls from Midland Funding at my home and place of business requesting payment. XXXX XXXX XXXX XXXX.
Company Response:
State: PA
Zip: 19040
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Starting XX/XX/XXXX, up to XX/XX/XXXX, I have been attempting to contact Midland Funding about two erroneous credit card debts which I am unaware of to try to get the issues rectified. Prior, I never received a method of verification from Midland Funding, giving me a chance to respond within the 30 day period, and the debt agency inserted both collections on my credit reports. I never experienced collections on my reports. I have attempted to call, Midland Funding representatives are not customer centric, I have sent certified mail with return receipts, proving to me letters were received and signed for ; but still no response. Although it is not my debt, I have even attempted on two separate occasions, sent first class mail settlement letters starting XX/XX/XXXX. As of today, XX/XX/XXXX Midland Funding still has not contacted me and the collection debt is a burden on me. I can't gain credit or be credible with these two derogatory marks on my reports. Midland Funding has not proven to me debt is mine, nor do the agency have signed legally binding contract for me, all I am getting is a computerized billed statement and a mark on my credit reports. There are so many violations from Midland Funding pursuant to state laws and FCRA laws and Midland Funding is not trying to resolve this issue. Please help me.
Company Response:
State: NC
Zip: 28056
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
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/2021, 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.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A