Date Received: 2022-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I recently moved back to the XXXX XXXX on XX/XX/XXXX, after living in XXXX for over XXXX XXXX. I contacted a realtor to help me search for my future home, so she suggested I install XXXX XXXX which I did, and I found out about 1 Delinquency dated back in XXXX. It brought me a red flag that something was wrong because I was still in XXXX that year! I contacted the 3 Credit Bureau to start the Dispute against that fraudulent activity immediately, and we could process it without any delay. The company that opened that account ( without my authorization ) is XXXX XXXX XXXX which already had transferred that account to Midland Credit Management for Collection. However, thanks to the early approach to do the Dispute with the 3 XXXX, XXXX, and XXXX, I got a letter from Midland Credit Management on XX/XX/XXXX, letting me know that they have reviewed their records and gave the following updates : We have closed 'your account ( which is not mine ) and ceased collections. You have no further obligation regarding this account. I honestly thought that the issue was erased from my credit report because XXXX, my personal Bank since XXXX, was able to give me a XXXX XXXX Credit Card ; however, my realtor emailed me a screenshot about some delinquency in my report and was unable to proceed with my mortgage correctly because of that issue showing still in my report? I decided to contact XXXX today to proceed with a Dispute to XXXX XXXX XXXX, and the representative from XXXX suggested I report this issue to this official site. Please I need your assistance regarding this terrifying issue because I can not imagine that this activity could damage my dream of a smooth transition back to my home XXXX and my dream to purchase my future. I do not want to think that this could happen again to me or no one. Yours Sincerely, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I owed debt to XXXX XXXX in late XXXX. When the pandemic hit in early XXXX XXXX I lost my job and had to stop paying all my credit card accounts. I have been able to work with all of them but this specific account was sold to Midland Funding who NEVER sent me a letter and have continued to call my old job which has THANKFULLY reopened and rehired me even though I have told them to STOP calling me work and they hang up. They show up to my home with their phone cameras filming me asking what my name is and I say who are you from and they tell me they can not say who they are. And today for a 3rd time someone showed up at my home and threw documents at my front door took photos and left the documents at my front door? I have this all on on security camera. This is complete fraud and they are trying to scare me and bully me. I need some sort of protection from this please. The documents they left claim that they have sued me XXXX XXXX XXXX on XX/XX/XXXX? I was NEVER notified of this, when I look it up on the court website theres no records of this? This is fraud and the people who are coming to my home are starting to scare me and my family. Please help me. The documents I have attached were thrown at my front door today XX/XX/XXXX by a large man with his phone out filming everything. This is NOT OK.
Company Response:
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports
Company Response:
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2022 I received notice from my company that {$600.00} will be garnished from my wages and will continue to be taken until {$16000.00} is paid off. This was the first time i herd of such a debt, i had never received any previous contact or information regarding this debt priory to this date. The companies involved were XXXX originally and now being handled by Midland Credit Management. I have purchased Cars previously and this has never come up on my credit report.
Company Response:
State: CA
Zip: 94112
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is the third complaint I am filing against Midland Credit Management. This company continues to report an alleged debt that I have not validated. On XX/XX/2022 Midland Credit Management and I had a court hearing. Midland failed to provide any documents proving their claim and also failed to appear in court. Due to this, the complaint was withdrawn. Following the complaint withdrawal, Midland continues to report this alleged debt, which they have no proof of to all credit reporting agencies. This is a violation of 15 USC 1692j ( a ). I have made several attempts to obtain any proof of claim from Midland Credit Management via phone and certified mail. Midland has not provided and documents.
Company Response:
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 15 USC 1681 SECTION 602 states l have the right to privacy. 15 USC 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response:
State: MS
Zip: 39212
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management Inc has filed a second law suit threatening to garnish my wages in an account Im already paying them on. Upon an agreement through the XXXX XXXX XXXX court I pay a specified amount monthly. They have been taking money out of my account until XX/XX/2022 stating that they can not access my account now. I have mailed in payments via money orders priority mail to keep my agreement. I am constantly being told the IT department is working on the problem yet the issue is still not resolved to date ( XXXX ). Now they are suing me for the same account Im paying on which I have proof of payments to the company. No one is trying to fix the problem. It shouldnt take this long to fix an alleged IT issue which is damaging my credit even further. This is very stressful to say the least. This problem is affecting my financial situation with receiving my XXXX XXXX loan because they refuse to fix the issue and grant me the documentation needed to obtain my XXXX school loan.
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against MIDLAND FUNDING for committing identity theft. I have never given MIDLAND FUNDING any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any type of documentation requesting validation from MIDLAND FUNDING before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If MIDLAND FUNDING can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until MIDLAND FUNDING 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 FUNDING continues its collection efforts, I will file for litigation for actual damages caused and MIDLAND FUNDING will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the 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: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested a debt validation information from Midland Credit Management, they have failed to respond to my request which is a violation of the Fair Credit Reporting Act and as such they must remove said account from my credit report no later than 30 days from the date of receipt of my letter. I requested this information as I have not received prior to them attempting legal action, also the accounts they claim to own have a binding arbitration clause which they have violated. I formally request the removal of said account and cease of collection practices. This company has been known to engage in deceptive and illegal debt collection practices and have been fined in the past by several state attorneys and consumer protection entities including this one ( CFPB ).
Company Response:
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Midland Credit Management , Inc for committing identity theft. I have never given Midland Credit Management XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have never received any documentation requesting validation from Midland Credit Management , Inc before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Midland Credit Management , Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Midland Credit Management , Inc 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 Management , Inc continues its collection efforts, I will file for litigation for actual damages caused and Midland Credit Management , Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the 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: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A