Date Received: 2022-03-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland Credit and XXXX are reporting fraudulent accounts on my credit. These are NOT my accounts. I didn't open them, nor did I authorize anyone else to do so on my behalf. I am requesting that they are removed from my credit. Please note attached- I have filed a Federal Trade Commission report and my Driver License
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: On XX/XX/22 around XXXX someone by the name XXXX XXXX from Midland Credit Managment called my boyfriend questioning him about a credit card I owed. He then called me on a 3 way to listen to the conversation she asked him to verify my social which he dont know second thing he asked her did she know she said yes and give him my last 4 digits. They called his phone everyday harassing about a payment and they was taking me to court. Something need to be done
Company Response:
State: PA
Zip: 19133
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: account was obtained by someone who used my identity, please remove this account from all credit reporting agencies and all negative remarks.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX a debt collection notice was received from Midland Credit Management , Inc . Immediately the letter was disputed and a Debt Validation letter was sent in response via certified mail return receipt requested. The company Midland Credit Management Inc. persist in the response that the debt is owed to them in the amount of {$2200.00}. They also state in the response " If you believe that we have reached this conclusion in error, please reference the information below '' offering nothing but payment methods to resolve their error. Attached is the original ACH transaction from XX/XX/XXXX to the original creditor for the original amount of {$2000.00} with no fees. This account should have never been sent to collections for it was never delinquet.
Company Response:
State: TX
Zip: 75803
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
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: Listed below are many letters i sent ( Most Certified ) regarding inaccurate and unknown things on my credit report. To this day ( 2 months 17 days ) later I have not received a proof these are my accounts other then automated ; we validated and meets FCRA regulations. I feel I am being taken advantage of and being ignored by my disputes. I have called them and told them they have the wrong XXXX XXXX. I am NOT a carpenter. I do NOT own a carpenters business. These XXXX and Midland cards are XXXX XXXX XXXX XXXX XXXX XXXX. I called XXXX and Midland who said I XXXX to talk to XXXX and both those do not know who I am. Section 611 ( a ), it is plainly stated that a failure to investigate these terms within 30 days AND put Disputed on my Dispute Status ( attaching credit report from XXXX showing Dispute Status : -- -- Account not disputed listed on all 3 Midland account, XXXX account & XXXX XXXX XXXX : removed from XXXX & XXXX already ) gives reason to remove these items from my credit report. It has been over 60 days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or I will file for ligation which intent to sue was already sent due to the stress they caused me. my information was also impacted by all 3 Bureau 's data breach and may have gotten into the hands of the wrong person. I have sent a Validation certified letter to XXXX and Midland. All i got back was a BILL saying I owe this and that. Per the FCRA they to present the Original Contract with MY Wet Signature and they did not ( also being attached ). This is why I know the Bureau 's have not validated anything because the Creditors could not validate anything to me!
Company Response:
State: WY
Zip: 82901
Submitted Via: Web
Date Sent: 2022-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is XXXX XXXX XXXX. I am filing this complaint for my self and do not need any assistance from anyone to file a complaint against your company for the fraud you have committed against me. I did not give Midland Credit Management any permission to use any of my identifying information o 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 a 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 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. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Lastly, pursuant to 15 USC 1681 c-2 Block of information from identity theft resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of
Company Response:
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I'm filing this complaint against Midland Credit Management as they've failed to provide debt validation on two occasions. This is my third ( XXXX ) attempt to have them honor my right as a consumer pursuant to 15 USC 1692G and provide to me in writing the information that they're furnishing on my credit report.
Company Response:
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2022-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Used public records or records land listed at appraisal book 11 page 211. Improper purpose. Purpose of frsud, XXXX, pretending. City Municipal attorney XXXX XXXX, submitted through midland Funding LLC a fraud claim lawsuit. Midland Funding LLC pretending to be XXXX XXXX. Over two years,, deprived rights of Title 18 section 242 violation. The title vii. First amendment, fifth amendment, Fourteenth amendments. I am a XXXX XXXX. I have experienced hardship, identity theft, for almost two years fighting in court XXXX Fraudulent transfer mortgage assignment claim and forcefully evicted of from homestead private property. I am an heir, and restricted property. Not a part of enterprise zone. Unfair advertising, restricted cultural land. Book 11, page 211. The citizen of XXXX XXXX XXXX XXXX XXXX, Florida. Deprived rights of police protection. homestead private property ownership rights. Senior citizens. deprived Title 18, SECTION 242., title vii. First amendment, FIFTH AMENDMENT, AND FOURTEENTH AMENDMENT. I am being severely discriminated by my city municipal attorney XXXX XXXX. City Attorney who is discriminating by targeting XXXX owners private property rights. advertising XXXX XXXX private property is a violation. XXXX XXXX XXXX IS Restricted RESIDENTIAL. CULTURAL land, not part of the ENTERPRISE busines, commercial or municipal use. Presently, my heritage, personal private property. Restricted private property land rights is being STOLEN AND damaged. XXXX XXXX XXXX is being advertised, for PROFIT. THE real ESTATE LISTINGS on XXXX XXXX. it cultural related. XXXX XXXX XXXX is residential personal property. Not zoned for use of commercial properties or municipal properties. Yet I was forcefully evicted off my own Private property XX/XX/XXXX. Related, LOT XXXX PROPERTY APPRASAL FRAUD BIDDER, IS NOW IN someone else named, XXXX XXXX XXXX. XXXX XXXX XXXX LISTED AS NO LIMIT HOME IMPROVEMENT LOT XXXX. City lot XXXX address XXXX kentucky. personal property. My rights were Not protected by the police. Sheriff Giving me a twenty four hours to move out of my own Private property. XXXX x XXXX lot size. XXXX of an acre, targeting by Fraudulent conspiracy made by the city XXXX activities. Zoned residential, single family residential Land. Restricted use, was not zoned for commercial use or municipal use is not part of the enterprise zone. The City Fraudulent XXXX transfers mortgage claims problem. Targeting XXXX single female, XXXX XXXX, property owner, heir property. Through the court used Midland Funding LLC. Inactive license, used bidder XXXX XXXX XXXX XXXX. Submitted Forged documents, robo signature. During this pandemic XXXX hearing. Quiet lis Pendens filed XX/XX/XXXX by XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX XXXX Midland Funding LLC pretending to be XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transfers Fraudulent Documents submitted. Fake bidder, XXXX XXXX XXXX XXXX XXXX {$130000.00}.
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2022-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My Identity was stolen I was told a credit card from XXXX XXXX was used under my informations ai went to the court house in XXXX nj to tell about the problem now I find out that I am in garnishement. The company is taking {$300.00} in my paycheck. I never used this credit card
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This was a phone that I never had in my name through XXXX XXXX and it was supposedly open in XXXX XXXX the Midland Credit Management has been taking my income tax since XXXX XXXX and now they are saying that I owe {$690.00} the internal legal account no.is XXXX I called them up and they even said that they didn't even have me staying at the address at the time of the incident but my information was used for someone to get a phone and I never even had a house phone in my life but my information was used by someone else to get a phone the collection company told me that I even had a attorney and I didn't even know anything about this either this is their contact information Midland Credit Management XXXX XXXX XXXX, XXXX MI XXXX their phone number is XXXX and their fax number is ( XXXX ) XXXX The contact person is Attorney XXXX XXXX XXXX XXXX They already took my 2019 state of MI income tax of {$320.00} they have a garnishment case number of XXXX through XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XXXX
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2022-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A