Date Received: 2022-07-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My credit card was lost or stolen. I called and reported my card as stolen. Somebody stole my credit card. When my statement came I saw there were transactions that I have never made. I reported my card as stolen, but the transactions and the balance were never removed from my name. Now, I am in dealing with Midland Credit Management as they are charging me for transactions that I never made.
Company Response:
State: CA
Zip: 95050
Submitted Via: Web
Date Sent: 2022-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This company MIDLAND CREDIT MANAGEMEN Original Creditor XXXX XXXXXXXX XXXX XXXX has continually adding illegal fees, I have already file a complaint on this account to the bureaus and to the company but they never responded to my request.
Company Response:
State: CA
Zip: 92081
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. Account Name : MIDLAND FUND Account Number:XXXX Please remove it from my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE. Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Company Response:
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a legitimate credit card closure for non payment. Eventually this debt was sold to Midland Credit management. The company then went to my local court district and filed for garnishment of my paycheck. Which was taken until the total amount owed was satisfied. The collection agency mentioned above is still making incorrect and fraudulent updates to my credit report so the alleged debt owed is continuing to accrue interest. Ive reached out to multiple employees and the legal team with no solution. They even told me they were able to take my payment right then over the phone. I do not owe this company anything. This is fraudulent!
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Account was disputed and removed from my XXXX report. I'm requesting that it is removed or deleted from my XXXX and XXXX accounts.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Funding, LLC has been on my credit report for XXXX years, XXXX months. It is for a credit card debt, I dont think I even owed and as a credit card debt, it shouldnt even be collectable at this point. They keep increasing the balance by {$1.00} everytime I dispute it with XXXX XXXX instead of responding. They also change the activity date to stay on my credit report longer.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent Midland Credit Management a written request to validate my alleged debt having account no. XXXX XXXX Accounts # XXXX, XXXX, XXXX, XXXX, XXXX, which was received by Midland Management offices by Certified Mail # XXXX on XX/XX/XXXX, XXXX requesting the following : 1. Agreement with your client that grants you the agent authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay XXXX BANK XXXX and or an agreement showing I agree to pay a creditor and or their agent. 3. A copy of your oath of office confirming you are not violating 15 USC 1692 ( e ) 3 and establishing your legal standing to collect anything from me. 4. Any insurance claims been made by any creditor regarding this account. 5. Any judgments obtained by any creditor regarding this account that gives you the right to collect anything from me. 6. Name and address of alleged original creditor. 7. Name on file of alleged debtor. 8. Alleged account number. 9. Address on file for alleged debtor. 10. Amount of alleged debt and what it is for. 11. Date this alleged debt became payable. 12. If the account is charged off, the date of original charge off or delinquency. 13. Verification that this debt was assigned or sold to collector. 14. If this debt has been assigned to collector, please provide the commission amount if collection efforts are successful. 15. If this debt has been sold to collector, please provide the price for which it was sold, and proof of sale. Include all trailing documents identifying the SELLER you purchased it from and ALL PREVIOUS OWNERS. 16. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website above. 17. Agreement between your agency and I of any contractual or debtor/creditor arrangement. 18. Complete accounting of alleged debt showing how you specifically calculated the entire amount of what you say I owe. 19. Copies of any and ALL account level documents that show I agreed to pay what you say I owe to include original WET INK signatures. I received a correspondence from midland management dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate. I sent a second request, Notice of Non-Compliance Demand for Validation and Proof of Claim which was received by Midland Credit Management office by Certified Mail # XXXX Delivered on XX/XX/XXXX, XXXX Requesting the following : The debt validation responses dated XX/XX/2022 is incomplete and not debt verification & validation at all. Please satisfactorily respond to my request for debt verification & validation dated XX/XX/2022. I received a correspondence from Midland Credit management dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate. I received a correspondence from Midland Credit management dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate. I received a correspondence from Midland Credit management dated XX/XX/2022 : Stating their account notes and information from the previous creditor was accurate
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I did not give any authorization for any of theses companys to share my personal information. This is a violations of my privacy.
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company is attempting to collect an erroneous collection from me. I have disputed this every month from XX/XX/XXXX to XX/XX/XXXX between the company itself, XXXX XXXX XXXX XXXX XXXX. However, I have received computer-generated responses and have not had a thorough investigation regarding the dispute or a human manual review. The correct violations are as follows per the Fair Credit Reporting Act ( FCRA ) 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 an account without my written instructions/permission. They have no permission to report ANYTHING using my info pursuant as outlined in section 4 18 U.S.C 8, I owe no debt.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This is identity theft. I never had a credit card or applied for one. Asset Acceptance LLC plaintiff XXXX Case XXXX XXXX Total amount due $ XXXX XXXX Clerk in XXXX XXXX XXXX Please notify Asset Acceptance LLC this is identity theft. The are requesting that I file this with you and send them a fax XXXX
Company Response:
State: FL
Zip: 32571
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A