Date Received: 2022-04-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FRCA Violation credit card XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FRCA Violation loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OFFICE OF THE ATTY GEN FRCA Violation collection XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$850.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$390.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$540.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX XXXX {$420.00} Balance updated XXXX XXXX, 2022 XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX$380.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX. {$1000.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$3100.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$2400.00} Balance updated XXXX XXXX, 2022 MIDLAND FUNDING Original creditor : XXXX XXXX {$700.00} Balance updated XXXX XXXX, 2022 FRCA Violation names and address XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
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 sent a letter to Midland Credit Management asking for : 1-validation of the debt-that is, the actual accounting. 2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B. not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,
Company Response:
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I never received any information from this company about both debts on my credit and who it is from. This seems be fraudulent account with no proof or notification
Company Response:
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I recently found out that Midland Funding filed a lawsuit against me in Virginia where I do not t live. I was not served to appear in court and I knew nothing about the court dates. I do not live in Virginia. In addition, the debt they are trying to collect is outside of the statute of limitations in North Carolina where I live which is 3 years. I have disputed the information but they ignore my demands for proper handling of my account. I have not been sent any information. This can not be legal.
Company Response:
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Never received notice to dispute. Midland Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX reviews my credit report to find a debt for {$570.00} from Midland Credit. It is allegedly through a Company called XXXX XXXX. Not XXXX XXXX but XXXX XXXX. I talked to an agent there today named XXXX to see what I can do to get rid of the account because I am wanting to finance something in the near future and it appears this account is from 2018. I did not verify that I owned this debt at all as I an not liable for it but I do want it taken care of. It was not resolved with that agent and at this time I am Filing a complaint. The company has nothing with verification of my identity however they have somehow collected my address and social. Nothing with my signature signed saying I owe them or the other company. This is a fraud tactic to collect and old debt not owed. I am truly disappointed and furthermore upset after I tried to resolve it but no resolution.
Company Response:
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
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 funding has mixed accounts with other social security numbers and ruining our credit reports. Attached you will find screenshots of what these people did on a family members report including my name and social security number along with another social security number Please have these people not harass me or my family XXXX XXXX and XXXX keep posting information that is not accurate on all 3 bureaus one says no collections and another these thugs from midland funding
Company Response:
State: OH
Zip: 44111
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Some one use my XXXXXXXX credit card on XX/XX/2014 for XXXX and now midland credit want me to pay XXXX. This charges wasnt mame by me.
Company Response:
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received letter from midland credit management saying I owe {$180.00} to XXXX XXXX ( XXXXXXXX XXXX ) said the account was opened in XXXX of 2019 this is the first time Ive heard about it. I never opened a XXXX XXXX account
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A