Date Received: 2022-04-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My ex girlfriend used my information open a credit card under my name without my permission. Its when i check my credit report i find out that i have a credit card under my name.
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
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: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Company Response:
State: OH
Zip: 44212
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Company Response:
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is not my acounts and not my address they dont want to change them have call many times
Company Response:
State: TX
Zip: 78582
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On this XX/XX/XXXX Midland Funding LLC opened a collection. Account # : XXXX {$2400.00} that I owe I have never signed any written documentation saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer I do not know who they are and have not written any consent from my end. Also, they have not verified that I owe this debt to this alleged company. Please have this removed from all XXXX credit bureaus. XXXX XXXX
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have formally requested by certified mail that Midland Credit Management provide me with validation of the two account # XXXX and # XXXX They have listed the same account twice and are reporting them to the three major credit reporting agencies pursuant to the Fair Debt Collection Practice Act. Since there are damaging reporting problems exist with respect to what they are reporting I have asked for a form of verified statement by a person with original knowledge of these debt, who can testify that these debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recall consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable and was not claimed as a loss with any insuring entity during the period they may have been payable. They are now in violation of the Fair Debt Collection Act by not responding to any of my letters nor have they provided me any validation.
Company Response:
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: For yrs prior to XXXX before Midland credit management sued me in XXXX, Wi I was a consumer violated by numerous debt collection practices. They called at wrong times numerous times of day, called exes or family members about my orig debt to XXXX XXXX and XXXX XXXX When they served me court papers they didn't properly attach legal documents with their original complaint proving they bought or owned my debt or prove what the accurate amount of real debt even was. I tried to file an answer and motion to dismiss without prejudice stating my numerous reasons why. The judge didn't bother to hear my valid statements or make this company prove the debt was theirs to collect on or to prove if the amount they tried to collect was even the real amount. I was hit with two cases of judgments even though there are almost every state in the US that has shown numerous Class action suits against this shady debt collector company for all the same type of violations that happened to me. They have affected my credit score and keep changing the amount of debts owed each month on all 3 credit reporting agencies making the amount continue to increase sometimes twice in one month based on my credit karma report. I know this company has hurt thousands if not millions of other consumers for unfair often illegal debt collection practices and unfair lawsuits where they win judgments and we don't have proper judges protecting us consumers properly in court when the consumer has valid statements and requests. I believe the court in XXXX violated my rights not adhering to laws.to force this company to prove their burden of this supposed debts against me and the company Midland also violated numerous rights of mine by now damaging my credit with 2 seperate cases. I know Attorney general XXXX XXXX a few years ago won a XXXX XXXX dollar class action suit against Midland with XXXX other states for their shady practices against consumers and need some help on this. At the very least I am writing in hopes I can get these debts removed entirely off my credit agencies for good due to them not proving they even owned and bought my old accounts from XXXX XXXX or XXXX XXXXXXXX
Company Response:
State: WI
Zip: 53186
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: On XX/XX/XXXX in checking my account to realize my paycheck was {$1000.00} short. After arriving to work and checking with HR, I learned that I was never notified that a judgment had been awarded to Midland Credit for a credit card that was included in my XXXX XXXX bankruptcy that was discharged in XX/XX/XXXX. Midland also filed this in a county that I do not live in. I have since submitted proof that the original creditor was included in my bankruptcy. Midland seems to be unwilling to stop the garnishment imposed on my salary and it causing undue financial stress to me as a single father.
Company Response:
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MIDLAND CREDIT MANAGEMENT has violated these laws and my consumer rights : 15 USC 1692 ( B ) ( 2 ), 15 USC 1692 ( C ) ( A ), and 15 USC 1693 ( B ) ( 5 ). My initial communication with MIDLAND CREDIT MANAGEMENT was on XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT stated that they purchase a security from an alleged original creditor. Buying and selling securities is illegal and an imprisonable federal offense. I did not sign a TRI-LATERAL CONTRACT with MIDLAND CREDIT MANAGEMENT. Also in XX/XX/XXXX, I sent MIDLAND CREDIT MANAGEMENT a cease & desist as well as an affidavit of truth. Cease and Desist means communication on all platforms including my consumer report. I sent all of these items with certified mail, and return receipts, and I have the documentation that they have received the communication signed. I have not granted 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. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding the cease and desist of all illegal activity, any communication and collection activity of this and any alleged debts until MIDLAND CREDIT MANAGEMENT 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 continues its collection efforts, 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
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: MIDLAND CREDIT MANAGEMENT has violated my federally protected consumer rights in accordance with the Fair Credit Reporting Act using two accounts from XX/XX/XXXX until XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT has attempted to XXXX, XXXX, and XXXX me using deceptive, misleading and abusive practices against me, my family and my household by harassing me, committing mail fraud and identity theft. This is criminal activity AND is unacceptable by every means. MIDLAND CREDIT MANAGEMENT couldn't verify either debt in accordance with the Fair Debt Collection Practices Act. The alleged debts can't be legally or lawfully collected on and should have been deleted months ago. After putting MIDLAND CREDITMANAGEMENT on notice that they were in violation of my rights, they continued collection efforts, purposely being non-compliant with the FDCPA while ignoring my prior correspondence. MIDLAND CREDIT MANAGEMENT only complied and deleted both accounts because I reported them along with the violations against me to the CFPB. Violations for BOTH accounts include but are not limited to : Violation, 15 USC 1692 ( b ) ( 2 ) ; Violation, 15 USC 1692c ( a ) ; Violation, 15 USC 1692c ( b ) ; Violated 15 USC 1692d ( 1 ) ; Violated 15 USC 1692d ( 2 ) ; Violation, 1692 ( e ) ( 2 ) ( a ) ; Violation, 15 USC 1692 ( e ) ( 5 ) ; Violation, 15 USC 1692e ( 8 ) ; Violation, 15 USC 1692 ( e ) ( 10 ) ; Violated 15 USC 1692f ( 1 ) ; Violation 15 USC 1692f ; Violation, 15 USC 1692 ( g ) ; Violation, 15 USC 1692 ( g ) ; Violation, 15 USC 1692 ( j ) ; IDENTITY THEFT ; INVASION OF MY INDIVIDUAL AND FAMILY PRIVACY ; DEFAMATION OF CHARACTER AND ADDITIONAL DAMAGES ; I am willing to settle civil liability damages I have suffered pursuant to 15 USC 1692k. If there is a refusal to settle within 30 days of receipt of this notice, I will have no choice but to take immediate court action by initiating the litigation process.
Company Response:
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A