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 Data 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: MI
Zip: 48146
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Midland Funding LLC, violated my rights as a consumer according to the FDCPA. They violated my rights due to the laws listed below : 15 U.S.C 1681 section 602 A states i have the right to privacy. 15 U.S.C 1681 Section 6042 : It also states a consumer reporting agency can not furnish an account without my written instructions. I disputed this account with the credit bureaus and they stated that they verified that my information is correct. After doing further research on my credit report I see an inaccuracy that should have been correct if the account was verified correctly. Midland Funding LLC, reported to XXXX that the date opened was XX/XX/XXXX. XXXX and XXXX date opened was reported on XX/XX/XXXX. Midland Funding LLC, reported to XXXX that this account is 120 days late and last active on XX/XX/XXXX. It was also reported to XXXX the last active date was XX/XX/XXXX. It was reported to XXXX the date last active was XX/XX/XXXX. From my understanding of the law EVERYTHING has to be correct and the same across the board ALL credit bureaus and if my account was verified correctly as they stated then this information should be accurate. Also, they failed to do their due diligence when my account was verified to make sure that everything is accurate across all the credit bureaus. If there are different dates for anything then how is the information considered as accurate and the account verified? In the letter presented to me it was stated that the account was opened on XX/XX/XXXX. But it was reported to XXXX and XXXX that the account was opened on XX/XX/XXXX, how is that accurate? Thats 27 days before you stated that you opened the account? That is again against the FDCPA. Thats completely wrong and against my consumer rights. If the account was verified correctly then this would have been caught and noted as an issue.
Company Response:
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2022-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX and new reference number is XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to Privacy. 15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: About XX/XX/XXXX, a collection agency send me notice that I owed {$1500.00} and change for a purchase that was made at XXXX XXXX in XXXXXXXX XXXX in XXXX of XXXX. I am now living in XXXX and have not lived in XXXX, XXXX. since XXXX of XXXX. Some some how got a hold of my old home address in XXXXXXXX XXXX to get a credit to make a purchase at XXXXXXXX XXXX in XXXXXXXX XXXX. The email this person used is not mine and I don't know who this person is. At the time the purchase, I was here in Florida pumping gas in a local XXXX station. I was constantly being harassed by the collection agency all times of the day and night- even on Sunday. The only reason they have stopped is that my phone number has changed. The collection agency is : MIDLAND CREDIT COLLECTION AGENCY. located in XXXX XXXX, Ca. I tried personally speaking with them on the phone but they will not believe me. As I said, the only reason the phone call have stopped is because my old phone bit the dust and I had to get a new one. This is showing up on my credit reports and I am not responsible for this debt.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Frequent her raising with threats to sue. Also contacted ailing family members and ex husband. My credit has suffered significantly, and messages are still left on my mothers phone - even during pandemic.
Company Response:
State: ID
Zip: 83501
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone open XXXXXXXX XXXX XXXX cards in my name in XX/XX/13 & XX/XX/13
Company Response:
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Im not sure what happened all I know is this account automatically went into collections it never appeared on my regular account information and or credit report as a positive account in good standing because it isnt mine, before it was in collections which lead me to trying to dispute it, I tried with XXXX & XXXX XXXX the company keeps denying it and replying back that my information on the account is accurate. Which leads me to think I am being set up for fraud since the balance on the account is so high and my bank information isnt on this account nor was I received a card for midland Credit management. I shouldnt have this on my collections for 7 plus years if I never have done anything to put it there.
Company Response:
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, Midland Credit Management has violated my rights. 15 U.S.C. 1681, Sec. 602A states I have a right to privacy. 15 U.S.C 1681 Sec. 604A, Sec. 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: IL
Zip: 62234
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested that this company validate the debt they claimed is owed over 30 days ago and they have yet to do so. The debt is not valid to my knowledge and the company is continuing with the lawsuit and derogatory accounts on my credit reports. Listed below are the actions taken by both myself and the attorney office that is representing the company. XX/XX/2022 A Complaint submitted by XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against myself XX/XX/2022 Summons Mailed Notice submitted by Case Management XX/XX/2022 Answer uploaded by Case Management Staff submitted by Defendant stating that this debt is not valid to my knowledge XX/XX/2022 REQUEST TO ENTER DEFAULT JUDGMENT submitted by PAPADELIAS, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC against Defendant XX/XX/2022 Trial scheduled for XX/XX/2022 XX/XX/2022 Motion to vacate submitted by Defendant XX/XX/2022 debt validation letter sent to plaintiff via certified requesting information to validate debt that is claimed to be owed XX/XX/2022 no response from plaintiff with documentation XX/XX/2022 REQUEST FOR ADJOURNMENT submitted by XXXX, XXXX of XXXX XXXX XXXX XXXX, XXXX on behalf of MIDLAND CREDIT MANAGEMENT , INC .
Company Response:
State: NJ
Zip: 08002
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I WAS VIOLATED! As a natural person who is federally protected. I am notifying you that you have help damage my name and my reputation. Your corporation has offensive activities towards me as a consumer, such unauthorized use that did not serve me any benefit. I have been violated as such, the truth and lending act 15 USC 1692C ILLEGAL TO COMMUNICATE, 15 USC 1692 ABUSIVE PRACTICES OF DEBT COLLECTIONS you violated my privacy and only I deem what is private to me AND you COMMUNICATIONS TACTICS ARE ILLEGAL! 15 USC 1692 G VALIDATION OF DEBTS you do not have permission to say I owe anything because as natural person and according to the TILA I validate debts because I am original consumer. This does NOT allow debt collectors to obtain a copy of " original contracts '' as I DO NOT have contracts with XXXX XXXX XXXX, you do not have granted that permission. As per congress, you violated me, your corporation is criminally liable pursuant 15 USC 1611 because your corporation willingly knew that you were complying to a transaction that is fraud. Pursuant to 15 U.S.C 1681 ( a ) ( 4 ) - your company assumed this role. You were not GIVEN express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer right. It is a violation as per 18 U.S. Code 241 for two parties to come together and conspire against MY rights as consumer. READ 15 USC 1692D & E ( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses. the law is created to protect me the CONSUMER! You are illegally communicating with me for debt not owed.
Company Response:
State: NJ
Zip: 07424
Submitted Via: Web
Date Sent: 2022-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A