Date Received: 2022-03-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I don't know any thing else it appeared on my credit report as a collection as Midland. My income is social security and is exempt from debt collectors..
Company Response:
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland credit management debt collection company has been robocalling constantly. They are violating the law. Here are the phone numbers and dates. Please investigate this harassment. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: UPDATED INFORMATION! CASE # XXXX Midland previously indicated that I owed this debt. on XX/XX/2022, Midland closed this account and removed the tradeline from CRAs.
Company Response:
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I found out 2 years ago when I received my annual credit report that I was a victim of identity theft. Someone from XXXX, Florida used my name and SSN to open a credit card Account from XXXX XXXX which was subsequently transferred to Midland funding. I have attempted to resolve this issue with Midland Funding with no success. Midland Funding XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ACCT XXXX
Company Response:
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Credit Management INC. Constantly, called my cellphone and mailing letters to mailing address stating that they were going to sue me because I owed credit card debt from supposedly two companies that they purchased. They actually went to residence and serviced the residence there with the judgment. Never gave the original company the right to sell my information to third party. The accounts were charge-off, due to COVID-19 pandemic, I lose everything I explained to them but the third party company harassed me from XX/XX/XXXX until XX/XX/XXXX. The residence was just a mailing address because I was homeless. Now they have a court judgment on me.
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: My credit report shows a collection from Midland Credit Management. I do not nor have not had any open account totaling {$650.00}. I do not believe this debt is accurate. I the natural person never gave Midland Credit Management consent to report anything to the credit reporting agencies nor do I have a contract to do business with them. Therefore, my position is being clearly stated, the account does not belong to me, meaning that Midland Credit Management is reporting inaccurate account information within my credit file. I am well aware of my rights as a consumer. Per the language of the Act, Midland CM is in violation of 15 U.S. Code 1692e. False or misleading representations The Fair Credit Reporting Act requires that the credit-reporting agency report accurate and/or correct account information within my credit file.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company repeatedly calls asking for information not relating to me or my wife ON OTHERS. We have told them they are in violation FDCRA in that they have no authorization to contact anyone but the debtor. They need to cease immediately. XXXX XXXX XXXX comes up on internet Spam high risk... please report FTC
Company Response:
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland credit is a debt collector as denied by 15 usc 1692a ( 6 ) I XXXX ; XXXX for XXXX XXXX am a federally protected consumer as defined in 15 usc 1692a ( 3 ) 15 usc 1692c ( a ) states that a debt collector may not contact the consumer without prior consent. Midland is also in violation of 15 usc 1692d ( 5 ) with the repeated called to my line despites whether or not the calls were answered Midland credit does not and did not have consent to contact me for any reason and request that they cease and desist all forms of communication in relation to this debt. This includes any reporting on my credit report. 15 U.S. Code 1692k - Civil liability for every violation of this section, midland credit will owe {$1000.00}.
Company Response:
State: HI
Zip: 96740
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My credit report shows an account for {$780.00} in collections for over a year and a half with Midland Credit Management. I spoke with the legal department of MCM on XX/XX/XXXX at XXXX or XXXX twice and both stated my accounts were paid and closed. The reflected balance is simply the difference between the original balance and the settlement but that my accounts were closed and paid and sent me a statement to reflect this. They said if its still being reported to the credit bureau as collections then its customer services problem. I was transferred to XXXX and they stated the legal department didnt notify them so give them 7 days to straighten it out. In the meantime, I filled a dispute with XXXX and they came back saying it was an owed debt. I redisputed with XXXX and they once again said its a valid debt. I called MCM legal department today, XX/XX/XXXX and spoke with XXXX XXXX who stated my account is paid in full and I owe nothing. My accounts are closed XX/XX/XXXX. I was transferred to XXXX and told they are the ones reporting in error to XXXX. The XXXX rep, XXXX XXXX says legal never told them I am paid in full and that I owe a balance. I was transferred again back to legal and spoke with XXXX who stated again that my accounts are paid and closed and the balance reflected isnt owed its just the difference between the settlement and original bill and its not even {$780.00}. I stated XXXX transferred me to her stating it was legals problem. She put me on hold and transferred me back to XXXX. XXXX XXXX, ID XXXX at XXXX ( or XXXX ) 6063 stated once again legal needs to update them and it will be done in a few days. I asked why it wasnt done earlier this month when I called and he said its a new system they are dealing with. He even saw where I called on XX/XX/XXXX. This is ridiculous as it is being reported negatively in collections on my credit report that Im trying to rebuild and they wont correct their error. When I call MCM they transfer me to and from the legal department to XXXX.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have been trying to get this company to validate the debt they said i owe.
Company Response:
State: MO
Zip: 64138
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A