Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ON XX/XX/XXXX I WROTE TO MIDLAND FUNDING IN REGARDS TO A COLLECTION THAT THEY PLACED ON MY CREDIT FILE ON XX/XX/XXXX. THEY LISTED THE ACCOUNT WITH AN OPEN DATE OF XX/XX/XXXX. ( SEE ATTACHED LETTER TO MIDLAND ) IN RETURN THEY WROTE BACK TO ME ON XX/XX/XXXX WITH A ONE PARAGRAPH LETTER STATING THAT WHAT THEIR NOTES INDICATE, THE PREVIOUS CREDITOR 'S NOTES AND THEY THEY REPORTED TO THE CREDIT BUREAUS IS ACCURATE. I SENT THE A 2ND LETTER DATED XX/XX/XXXX ASKING THEM FOR THE INFORMATION THAT THEY HAVE IN THEIR RECORDS TO VALIDATE THIS DEBT AND ONCE AGAIN THEY ONLY PROVIDED ME WITH THE EXACT LETTER FROM XX/XX/XXXX BUT WITH A NEW DATE OF XX/XX/XXXX XXXX
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section XXXX -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per XXXX U.S.C XXXX prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section XXXX ( XXXX ) adding additional amounts.
Company Response:
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Credit Management seems to have initiated a Pre-legal notification. I am disputing said information and would like for them to cease and desist.
Company Response:
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call multiple times and day I have already asked them to stop calling me
Company Response:
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: When I was incarcerated XX/XX/XXXX I had a power of attorney contact all my creditor accounts for me stating I was only able to afford at most minimum payment each month. I when I was released XX/XX/XXXX and the pandemic was in full effect with mandated mask and boundary laws I could not work. My upholstery shop suffered and faced shut downs. I paid XXXX XXXX bank as much as I could each month although jobless and was only using the card in emergency pleading for some kind of deferment or grievance program. Denied by XXXX XXXX any type of help I became overwhelmed with the balance and amount of interest. My account was sold and the owner of the debt is now demanding a still greater amount calculated by only interest charges on this account. I have been threatened to be taken to court when I tried to explain that I am a victim of a national disaster and still remain jobless. I've lost everything including resistance. My credit is keeping me from any chance of recovery. The creditor is now reporting derogatory weekly to damage me more. When I sauhgt out help from credit burrow to dispute that was denied as well.
Company Response:
State: FL
Zip: 34203
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello, My name is XXXX XXXX. I was first made aware of Midlands debt when I was in the process of refinancing I. XXXX of 2022. I sent a XXXX letter to all XXXX credit bureaus requesting proof of debt. I never received any information. On XX/XX/2022 the collection charges was added back on my credit for the amount of {$890.00} by MIDLAND CREDIT MANAGEMENT. This company is in violation and I would like them to be removed from my credit report immediately. Thank you
Company Response:
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
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: Midland Funding LLC filed a suit against me in XX/XX/XXXX. They claimed that I owe roughly {$1200.00} in a debt collection effort dating back to XX/XX/XXXX. They filed the suit in XXXX XXXX XXXX, Indiana, a county where I do not live. I have never lived at the address claimed in the suit and do not even know where they obtained that. All documents/subpoenas were mailed to address of where I do not live so I was levied a default judgement in XX/XX/XXXX. The only document I have ever received was in XX/XX/XXXX, and it was a motion for change of lead counsel. So following 1 year and 8 months this was the only attempted communication concerning a lawsuit. I live in Colorado and even their own evidence submitted to Indiana Courts contained my current address in Colorado. Midland Funding and their attorneys had my address readily available but still chose file a suit in a state of which I do not live and sent documents to an address I have never resided in. I believe they attempted unfair practices to collect a debt by knowingly filing a suit in a state I do not live and where the debt did not occur so they could obtain a default judgement and hope that I would not fight it. As shown by federal case XXXX XXXX AL. V. MIDLAND FUNDING, XXXX ET AL. CONSUMER ACTION, this is a common tactic done by Midland funding and the fine levied in the lawsuit against Midland Funding did not deter these kind of tactics.
Company Response:
State: CO
Zip: 80521
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: As of XX/XX/2022 I have paid the outstanding amount owed as well as all of the collection fees that were due to the XXXX county clerk of courts for MIDLAND CREDIT MANAGEMENT INC. they have refused to accept payment and notify the credit bureaus this payment has been made they are falsely reporting that I'm occurring interest each month on a debt that has been paid in full this account needs to be removed and updated to the credit bureaus with the correct information
Company Response:
State: FL
Zip: 32750
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This company calls me multiple times a day and repeatedly calls me before XXXX XXXX. They call from 8 different numbers currently, and I have blocked other numbers they repeatedly call form at early hours. Below is a list of some of the numbers they call from and some of the times they have called that are protected. I asked them repeatedly to not call at this hour. When I talked to them in XXXX they were rude and hostile and threatening. DATE TIME # CALLING FROM XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX " " XX/XX/22 XXXX XXXX XX/XX/22 XXXX XXXX
Company Response:
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-11
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Midland Funding had been told to remove a debt from my Credit Report and instead left a judgment from a XXXX year old debt on my XXXX XXXX Report
Company Response:
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2022-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A