Date Received: 2022-04-09
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Midland Credit Management XXXX Inc didn't send me a 1099c for debt cancellation that's been charged off, and is over {$600.00} dollars which is consider taxable income. Reporting to your consumer report is illegal and is tax fraud.
Company Response:
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: hello. yesterday was the XXXX of XXXX I was sitting with my family when a gentleman knocked on my door hand to me an open package telling me there is a lawsuit against me for a certain amount. I was shocked cause I didnt know that I owed money to anyone or buy something I didnt pay. so, when i open the package and start reading though i do not understand everything about it. the little i understood seemed like there was a credit card open on my name which I know nothing about and being used and now I am being prosecuted to paid off. I remember on XX/XX/2019 I was forced to purchase a timeshare resort on XXXX, couple day after I call and keep calling to find someone to cancel it never reach someone to assist me. now they persecuted me to paid it off and threating me all of that messing up my credit. all of this are XXXX over my head. I literally was forced to purchased and being told later on if I am not interest on it i can always return it, or if I want to sell, them they will sale it for me, when I finally find someone to assist me on this case, I have been told I have to stick with it and make payment on it every month. i feel like my personal identity is in problem I am looking to help anywhere to help me get those people of my back. i wanted to upload more of the files but the webpage don't let me to, is there any other way to upload more files
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2022-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midlands Credit Management, is acting on a 3rd party which company is paid in full. They tried to take me to court and didn't happened but they put it on my credit
Company Response:
State: SC
Zip: 29154
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Called to inform collection agency that debt is no longer owed. I called where the debt originated and they said I do not owe anything. Therefore I called collection to them that. They refused to contact debtor to validate claim.
Company Response:
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland XXXX I thank you for your prompt responses and deleting this debt due to fraud. I just need help resolving one more issue. The creditor XXXX XXXX XXXX that bought this debt from you in XXXX. I also reached out to them to delete this debt from the credit beauru. They advised me they won't until your agency reaches out authorizing them to do so even though I let the know of the correspondence your agency sent me. Can you please advise them to please delete the accounts from the credit beaurus?
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2022-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Im being charge for a credit card that I did not get.
Company Response:
State: VA
Zip: 20109
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent this company a debt validation letter via usps mail in the last week of XXXX this year 2022 I got a letter today XX/XX/2022 from this company, of statements claiming that I oue them money. That does not validate the debt that they claim I oue them, Ive never done business with this company and in my debt validation letter I asked them to send me a contract that I signed with their company stating that I conducted business with them and they failed to provide me that information, also they reported this debt they claim that I oue them to the credit reporting agencies, according to 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. Also they broke 15 U.S.C 1692C stating, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company has violated my privacy and my consumer rights.
Company Response:
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I was served with a summons to appear in court on XX/XX/XXXX for a civil matter from Midland Funding LLC which bought a charged off debt from XXXX XXXX Bank on XX/XX/XXXX for a credit card with the last XXXX digits of the account ending in XXXX which had a statment included on summons. One statement shows a balance of {$25.00} made on XX/XX/XXXX. I never made a payment to this account nor have I had a card from this company in XXXX. I currently have 2 credit cards with XXXX XXXX Bank that are active and in good standing. Midland Funding LLC never reached out via phone or mail to provide me any attempt to collect a debt because I could have address this issue 6 years ago. This company or any company on this matter does not exist on my credit and I don't even show a XXXX XXXX Bank card from XXXX on all 3 credit companies. XX/XX/XXXX was the first time I have heard of this debt.
Company Response:
State: CO
Zip: 80817
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a summons regarding an account I was not familiar with on XX/XX/21. I responded to disregard any legal action meanwhile disputing it with the 3 main credit bureas. I recently had to update it as identity theft. The debt buyer is now attempting to take me to court for an account that was never mine. I have only been provided monthly statements that they sent to an address that, at the time was not my current address. There is no signed contracts included. I have never seen this debt or the creditor and I am provided very little. They had another " collection '' account that was apparently mine but soon after my dispute with the 3 main credit bureas, they deleted it due to it not being my debt.
Company Response:
State: AZ
Zip: 85119
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I am constantly called by a company called Midland Credit from many different phone numbers every day, despite not owing any debt. I can not block them because every time I block one number, they call me from a different number. They call me during all times of the day, often early in the morning and late at night.
Company Response:
State: SC
Zip: 29403
Submitted Via: Web
Date Sent: 2022-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A