Date Received: 2022-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I got a notification from XXXX, through XXXX XXXX that the account was closed. It was not on my credit or collections from XX/XX/XXXX tbrough XXXX XXXX. Then after it was closed it shows back up on my credit. An account that is closed can not be reopened or put back on your credit report?
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have disputed this account several times before. It always comes back as accurate. Midland Management is reporting 3 different date last active. XXXX XXXX XXXX XXXX Experian XXXX A proper investigation was Never done according to the FCRA. The term nvestigative consumer report '' means information on a consumer character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom is aquainted or who may have knowledge concerning any such items of information. They did not do this. Also, they have violated my rights even more. In accordance with the FCRA, Everything has to be 100 % accurate on my credit report. Midland Credit Management has concluded the information is accurate. How can this be when their reporting 3 DIFFERENT YEARS last active? This is grounds for deletion.
Company Response:
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2022-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland Credit Management sent abusive letter to sue on around XX/XX/2022 via USPS. I do not have an account with Midland Credit Management. Company is telling consumer that {$820.00} is owed to them and that they are the owner of the account. I have not verbally nor have written any agreements with this company. I responded to Midland via Certified Mail. Letter was created to Midland and they received certified mail on XX/XX/2022 asking to verify the account. Also, a Lawful Notice of Demand to respond was sent after the first letter. As of today, no response from Midland has been received for the account XXXX. I am unsure as to how they received contact information and has abused me with their letter. I have and am requesting the original contract with this company.
Company Response:
State: GA
Zip: 31324
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: i tried to dispute the debit but i got no where i need your help to contact midland credit management to wipe my debit clean iam too poor to pay this debit
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account MIDLAND CREDIT MANAGEMENT with balance {$850.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a collection on my report with Midland funding that was paid in full and Midland funding agreed to delete this from my report. It is still reporting on 1 credit bureau ( XXXX. ) I have continued to contact this company to no avail.
Company Response:
State: MI
Zip: 48420
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
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: Called the company on several occasions. XXXX, XXXX and XXXX. Given the runaround about proof of account and actual balance. Unable to get anything in writing. Called back again and was told they had my email wrong. After waiting several weeks, I still received no proof.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have a debt collection on my credit report from Midland Funding LLC I've been trying to have removed ever since i seen it. I've asked Midland Funding for details in regards to how they've come up with the number of {$270.00} they have never produced anything. I believe this collection account stems from a auto renewed XXXX membership that was tied to a XXXX i think its from back in 2016 that account was never supposed to have been auto renewed when it was i called XXXX and they said they reversed the charge and stopped it from auto renewing i literally never purchased on that card however i cant be sure that its that same account because Midland Funding has never produced a detailed list of what the debt actually is. Ive spoken with midland multiple time trying to dispute this but have gotten nowhere any help you can provide for me id be grateful for thank you
Company Response:
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2022-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In violation of Regulation F
Company Response:
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The is my second complaint against Midland Credit Management for harassment and fraud. MCM has failed to produce any documents in which I can validate an alleged debt that they have taken legal action to collect. They are continuing to report this alleged debt to credit reporting agencies against my request to cease. The company responded to my CFPB complaint on XX/XX/2022, stating that I was sent a validation letter. Who validated this alleged debt? What is there contact information? Were they a witness to the signing of an agreement to pay this alleged debt? Pursuant to USC 1692g only a consumer can validate a debt and I still have not received the documents requested to do so. Therefore it is against federal law to pursue this collection. Your company also stated that enclosed in your response is the original contract. I have looked through all the paperwork enclosed and see no contract. Pursuant to the XXXX a legally enforceable contract requires offer and acceptance and full disclosure. There is no original contract with wet signatures of both parties showing there was an offer and acceptance nor full disclosure. There is also no witness to attest this alleged agreement. The information your company is furnishing to the three major credit reporting agencies has not been validated, therefore it is not accurate. Continuing to report this is harassment and violation of USC 1692d ( 4 ). Pursuant USC 1692i ( b ) your company is not authorized under any federal law to bring legal action against me. You have produced no credible evidence. You have presented nothing but statements, not invoices to be paid. There is no signed contract between I and your company agreeing to pay this alleged debt. There is also no actual accounting showing your company has endured any debt to be paid by me. Therefore I would like to know what are the several factors used to determine the eligibility of accounts for legal efforts?
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A