Date Received: 2022-01-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent over seven written correspondences to this company to request Validation not verification. Each and every time I send a validation correspondence to the company the send the same verification documentation. I have asked this company to validate that this debt belongs to me by proof of documentation. I have specifically requested a copy of the original signed document or contact with my signature that I am alleged to have with the original creditor. I've requested that the collection agency send me an signed contract between myself and the collection agency. I have also requested any account statements that the collection agency has in regards to this account. This company continues to ignore my requests. This company also continues to report unvalidated information to my credit profiles. This company also has refused to conduct a accurate investigation into my claims.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: The collection agency has garnished my wages in a debt it have told them not mine provide proof, they dnt. I was a victim of Id theft. I provided the report of police report that was filed on the account I was aware of at times.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have asked for proof of that this is my debt they have not provided, they have garnished my wages. I have provided them proof I was a victim of id theft & disputed as them told me to do. Their finding was that there records is accurate. They still dnt provide me proof that its my debt this seems very criminal. This is in violation of my right according to the Fair debt act.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management MIDLAND FUNDING, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MI, XXXX To : The Office of Registered Agent for Midland Credit Management From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for. 2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 3 ) Documentation that shows I agreed to pay this debt with my signature. 4 ) The Agreement that grants you authority to collect on this alleged debt. 5 ) A copy of your state license, including license number that gives you rights to collect in my state. You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX ], you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have, except to provide me with accurate verification of this debt by U.S. mail only. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have. You have 15 days from the date of this letter to respond with all items requested or this is considered an insufficient validation response and this item must be removed immediately or I will seek litigation for Monetary damages. Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. By : XXXX XXXX XXXX
Company Response:
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full
Company Response:
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
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: Ex girlfriend onle user of card and paid bill we broke up and she stopped paying. Did not have acces to account or way to pay ... Now in collections and damaging my credit.
Company Response:
State: KY
Zip: 41011
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Response to XXXX First, MCM needed more time to complete the investigation. Thats funny. Claiming res ipsa loquitur while presenting XXXX fraudulent bill and ignoring all the other facts in the case isnt an investigation. Its a giant waste of time and a joke, at best. Second, I have not hired an attorney yet. Ive been waiting for your response. I thought you might actually do the right thing, but its clear youd rather play games for profit at my expense than address reality. If you continue with this scam though the next step will be a call from the state attorney general. Third, you got the account information correct, but the charged-off amount of {$430.00} is wrong. The underlying charge is fraudulent, and all the interest incurred due to that underlying fraudulent charge is fraudulent. Ive repeatedly explained this as well. So, I dont owe MCM a anything. MCM will never see a dime from me. Fourth, I understand the definition of charge-off, but the underlying promissory obligation is not valid, due, or owed. Once again, Im not obligated to MCM or XXXX because I did not promise to pay for the fraudulent charge. So, you can claim MCM has a right to repayment all they want, but it isnt true. Its a lie and a scam. Fifth, this entire paragraph is lie. You did not reach out to the seller. The seller connected to the original charge was put out of business due to fraud. The domain host yanked their site and published the reason as fraud. I literally submitted evidence proving this as well. Ignoring it doesnt make it go away. Whats more, XXXX claimed res ipsa loquitur in regards to the original charge as well ; i.e., it exists, so it happened. Yet all XXXX did was verify that the seller got their money, nothing more. I submitted evidence showing XXXX didnt investigate the charge as well. So, once again, pretending it doesnt exist, doesnt make it go away. I am not responsible. XXXX is. PERIOD!!! XXXX, once again, claiming res ipsa loquitur is not legitimate claim. It clearly does not apply in this case. XXXX and MCMs ignoring of the underlying facts does not make them go away either. It makes both XXXX and MCM liable for fraud. XXXX, what are you talking about? The damage is already done. The scam XXXX ran has already trashed my credit score. MCM needs to conduct a LEGITIMATE investigate and right the wrongs XXXX and MCM has done. So, once again, the debt is NOT VAILD! You can keep repeating the lie all you want, but it doesnt make it true. And, once again, MCM, or anyone else ; for that matter, will never see a dime of my money in regards to this scam. Eighth, MCM will address employee conduct. Thats laughable! MCM literally hires people like whats currently employed for reason. Theyre meant to frustrate the mark, and wear them down mentally and physically over time, so the mark eventually just gives in and pays. MCM, and the entire financial industry ; for that matter, does the same thing and its on purpose. Companies, and I say companies loosely, like XXXX and MCM are nothing more than legalized con men and extortionists. Ninth, no one ever said I was the victim of identity theft. If MCM actually conducted an investigation theyd know that. XXXX literally verified a fraudulent charge, ran up fraudulent interest on the that charge then fraudulently sold the account the MCM while claiming the account as a right-off on their taxes. Tenth, MCM considers consumer complaints a serious matter. Stop lying. If MCM considered consumer complaints to be a serious matter then MCM would actually conduct a legitimate investigation. But, they didnt, and they wont because it isnt in MCMs best interest. There is no profit in writing off mistakes. It would be counterproductive to the entire scam. In closing, stop the XXXX do the right thing, quash the charge, and report the mistake to the credit reporting agencies.
Company Response:
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: On XX/XX/2022, I reviewed a copy of my XXXX Credit Report & notice Midland Funding is reporting inaccurate information Date account open states XXXX Date of First Delinquency XXXX
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was contacted by Midland Credit Management about a debt their company was attempting to collect. I sent them a " Method Of Verification '' letter and they never sent over any documentation to connect me to the alleged debt. The collection account in question, was reporting to all three Credit Bureaus, I was able to dispute the account, which resulted in the collection account being removed from my XXXX XXXX and XXXX credit reports but it is still showing up on my XXXX credit report and the company has repeatedly sent " Debt Collection '' pamphlets and tried to contact my via phone after proper hours. I have tried to contact Midland Credit Management on several occasions to settle this matter, but I only receive additional collection letters. Can someone please assist me in correcting this issue?
Company Response:
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I decided to look at my credit reports from the XXXX credit bureau and found that this MIDLAND CREDIT MANAGEM ( XXXX XXXX XXXX XXXX ) was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Also, this account was not stated in the other Bureau. You are reporting a DELETED account from other bureaus on my credit file. Per FCRA, reporting must be 100 % accurate. Please eliminate this damaging data immediately. Please investigate and remove it from my personal credit file. Thank you.
Company Response:
State: KS
Zip: 66604
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A