Date Received: 2022-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I HAVE NEW AND UPDATED INFORMATION, PLEASE REVIEW ATTACHED DOCUMENTS.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The company Midland Funding purchased a debt from another company and I had no involvement with the transaction. Pursuant Title 18 U.S. Code 1028 ( c ), whoever knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to provided for such felony, be sentenced to a term of imprisonment for of 5 years.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: this have been disputed XX/XX/XXXX and XX/XX/XXXX and XXXX XXXX and were told verified this debt only show on XXXX and this account was closed XXXX and is over XXXX XXXX XXXX and still haven't been removed XXXX show account type : open
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am currently being sued by this junk debt buyer for an account I defaulted in 2015 due to being separated from my spouse and loss of income. I requested to be sent proof that this debt collector owns the debt, and proof of the date they acquired the account as well as proof of the balance that is due. Since I am currently in divorce court my attorney suggested I offer them to settle for half which I did, and they did not accept it even though they are profiting still being they didn't pay that much for the debt in the first place. I can't afford half but I am overwhelmed with trying to pay my current bills as well as being in court for divorce I need this issue to be resolved.
Company Response:
State: IL
Zip: 60148
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've sent two certified letters to the try and resolve and verify this debt. they responded to the 2nd letter without providing any or all documentation regarding the debt that owed. Action are currently still being reported by the company. Certified letter # 1 XX/XX/2022 Tracking # XXXX Amount {$2200.00} Midland Credit Management Certified letter # 2 XX/XX/2022 Tracking # XXXX Amount {$2200.00} Midland Credit Management
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management sent me a letter saying I owe a debt and are harassing me with many phone calls, this is a complaint, they need to seize all communication with me, my place of work, or with family, they also need to validate this debt. I do not owe this company any money I have no contract with this company and haven't received any product or services from this company.
Company Response:
State: HI
Zip: 96814
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: some time around 2018 there a wall XXXX credit card that was sale to a company my the name Midland credit management i have been pay on this account for three year it should not have gone the collect department of midland credit because i was never late. this collect is on my XXXX report why i do not no. two-month midland credit contact and ask could they take a payment out of my account on a month base. if i let do this would you remove this from my credit report and the guy said yes and i will give you a balance XXXX and not XXXX so therefore the balance be XXXX so went i check my credit report this Moring the balance was stilXXXX and that was wrong. so said to they Iam going to report ytou all to cfpb servicer. it should never be in collect anyway. and that the problem they purchase this from XXXX XXXXXXXX bank who purchase it from XXXX and that was illegal therefore against the law
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Since the month of XXXX I have been trying to dispute an amount on my credit report that was put there by Midland Funding, LLC. Since about 2017 the debt has been there for the amount {$490.00}. As of late a couple of times a month they will add {$1.00} which effect my credit and make my credit score go down XXXX pts then before then of that same month they will remove the {$1.00} they added and this tactic is all to keep my credit in shambles. I sent a debt validation letter and the letter showing {$490.00} but, then I got an email from XXXX in XXXX that the Collection went up to {$490.00}. According to Michigan law a debt collector does not have the right to add any fees or interest to any debt. I still protest that this debt is not mine and I want it removed from my credit report because, it is harmful to my life 's progress. Midland Funding LLC did not prove that they owned the debt.
Company Response:
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2022-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Misuse of credit by several cc companies .. credit / debt sold to unauthorized corporations .. reporting is very off .. amounts owed and consumer fraud by cc companies as my SS number has been sold without my consent
Company Response:
State: HI
Zip: 968XX
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-28
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 93454
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A