Date Received: 2022-05-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/2020- XX/XX/2020 I had XXXX worked as a XXXX XXXX XXXX for over 20 years. the company sent paper to go to court. during this time covid was bad. I sent a letter to company and court explaining why I could come to court due to having XXXX and being exposted. they didn't reset a court day to give me a chance to dispute the case. They took an advantage of bad timing.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland Funding was collecting money from me, as stated in a response from them, they have collected XXXX $ on an account THAT then WAS transferred, WITHOUT REFLECTING THE UPDATED BALANCE OR GIVEN REASON THEY SOLD MY ACCOUNT. One account that they bought was a result of Identity Theft and since the investigation of identity theft began they sold this second account they were handling, the first company they sold it to was called, XXXX XXXX XXXX XXXX, i contacted the 3 main credit bureaus about this account and due to their investigation, they deleted it, shortly after telling Midland about it being deleted, it appears that they got the account back and sold it to a new company. I am unsure as to why all of this happened and why they collected money from me to just sell it twice, with not reflecting all what i had paid on this account, but the more this goes on, the more i am concerned that this account is as well a result of Identity theft, as well as the other account they were handling. Attached is the police report regarding one of the other accounts that was closed due to identity theft and also attached is when XXXX deleted the account, as midland referenced, account number XXXX, was deleted from my credit report, and lastly attached is Midland 's response when they deleted the main account due to identity theft.
Company Response:
State: AZ
Zip: 85119
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: A suit was entered in WI circuit court for a suppose credit card $ XXXX debt in XX/XX/XXXX. I was never served and this false credit card debt was entered as a default judgment XX/XX/XXXX without verifying the debt. It has now been XXXX yrs and the zombie debt is statute barred from collection. They are trying to restart the statute of limitations clock by trying to serve me and threatening taking property and liens on my homestead. This debt is not verified and may have been sold already to debt buyers for pennies on the dollar so the original creditor already got paid and they have not verified any debt with me. I do not owe this debt by statute of limitations.
Company Response:
State: WI
Zip: 53215
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Midland Credit Management. they call 15-20 times a day, sometimes 5-6 times in 10 minutes. I have told them I do not have a debt and if they think I do then to send me a letter in the mail of my debt. I have never received a letter and today at XXXX XXXX, they called my wifes employer number after we have told them numerous times not to contact us. They threatened to give information to my wifes employer about me and a debt and then said she has a debt with them too so they can do whatever they want. This company needs to stop calling people, follow the guidleines of consumer protection or be sued.
Company Response:
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never open a business account with XXXX XXXX i never own a business. And now i been charged XXXX. I have report identity theft and now submit this report this is hurting my life and my future for a business i didnt own and a account i never open.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: The court of XXXX XXXX XXXX ruled that support of this false debt should be provided, also I sent an emailed request to company Midland Credit Management advising this Is not my debt please provide any documentation showing it was. I received multiple harassing calls, I was never served a subpoena and never received any documentation of what is the origin of this debt with XXXX. I'm at a loss they want to garnish me in amount of {$2200.00} for fraud charges.
Company Response:
State: FL
Zip: 33852
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
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 have tried disputing a negative account on my credit report with midland credit management which states I have not made any payments towards my debt when it has actually been making payments since XXXX and has been paid in full since XX/XX/2022. They have also added more to the debt after it was paid in full changing the amount from {$2400.00} to {$2400.00}. After submitting 2 disputes to experience, the second of which I received the results of their investigation today ( XXXX/XXXX/2022 ) I was told my dispute was unfounded and will remain on my credit report showing no payments have been made and that I now owe the larger amount
Company Response:
State: IL
Zip: 60126
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Account name : XXXX Account number : XXXX Account type : Credit card Responsibility : Individual Date opened : XX/XX/XXXX Status : Closed. {$280.00} written off. Status updated : XX/XX/XXXX Balance : {$0.00} Balance updated : XX/XX/XXXX Recent payment : XXXX XXXX Monthly payment : {$0.00} Credit limit : {$750.00} Highest balance : {$340.00} I need used the XXXXXXXX XXXX Credit Card. They renewed my membership with the card without my permission. Once I called the Credit Card Company, They reverse the charge but not the late fees. I never used the cards so have can they charge me ANYTHING. They reverse the charge but never reversed the late fees which i totally disagree with, So they sold the charge to a debt collection agency.
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I recently looked at my credit report and notice this account reporting negatively. I have no recollection or knowledge of this account. On XX/XX/2022 I sent a debt verification/validation letter to this company. I have yet to hear any status update.
Company Response:
State: FL
Zip: 33712
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-23
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: MIDLAND CREDIT MANAGEMENT continues to furnish an account to my consumer report without my written permission and without providing me with something in writing advising me of my option to opt out of any sharing of my private non-public information with any third parties. In reference to complaint # XXXX MIDLAND CREDIT MANAGEMENT claims a cease and desist does not pertain to credit reporting and that is incorrect. MIDLAND CREDIT MANAGEMENT has blatantly violated me by continuing to communicate with me after receiving a written Cease and Desist notice via certified mail. The Cease and Desist notice that I sent to MIDLAND CREDIT MANAGEMENT clearly states they must CEASE AND DESIST ALL COMMUNICATION WITH ME. The definition of communication via 15 USC 1692a is : the conveying of information regarding a debt DIRECTLY OR INDIRECTLY to any person THROUGH ANY MEDIUM. Therefore MIDLAND CREDIT MANAGEMENT has willfully violated me by communicating with me indirectly through the credit reporting agencies ( as a medium ) when they report a charged off account to my consumer report. I demand MIDLAND CREDIT MANAGEMENT to Cease any communication with me by deleting any reporting they may have done with XXXX, XXXX, and XXXX. Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS! I have also filed a complaint with the XXXX XXXX XXXX and the Massachusetts Attorney Generals Office. I did not give MIDLAND CREDIT MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. MIDLAND CREDIT MANAGEMENT has also committed aggravated identity theft by sharing my social security number with the credit reporting agencies without my permission. No one can use my social security number but me. It was given to me by the government and no one else can use it without my knowledge or written consent. I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I gave them written permission ( a signature on a contract is not written permission ) to share my personal information such as my social security number and to report any transactions on my consumer report. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues to report transactions between my self, the consumer, and the person making the report, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I have filed an identity theft report with the FTC. Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A