Date Received: 2022-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Im sick of disputing this charge with Midland Credit Agency. This was originally a charge with XXXX and i tried to make right before ev3r being sent to collections and they couldnt find an account. Now i called and to try to settle this i asked them to request proper amount and they wouldnt. Theirs all these late charges which i shouldnt be responsible for when i never received any bills and tried to pay amount owed with XXXX and couldnt find account. Now this needs off my credit.
Company Response:
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
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: Hi CFPB! Because you exist, there is hope for the future of ordinary people like me. I am hopeful that the inaccuracy on my credit report will be corrected as soon as possible as I am not able to gain meaningful employment, qualify for direct plus student loan for myself and especially, parent plus student loan for my kids. This complaint against Midland Credit Management ( MCM ) stems from XXXX XXXX XXXX store card. MCM told me that they will remove the tradeline upon receiving the full settlement payment. They received the payment, but they did not do what they promised they would do. Never mind my future or career, I need to be able to co-sign for my children 's student loans. And to do that, I have been paying off my debts. Had I known that MCM was basically misrepresenting that they will remove the derogatory tradeline, I would have just waited a few years to pay so I can use the money I paid them to pay for my kids ' tuition fees. Before the Pandemic, I had an excellent payment record witXXXX XXXX XXXX XXXX XXXXnd I am not disputing against XXXX XXXX XXXX My complaint is solely against MCM. I feel like I've been tricked to pay a lump sum at a time of inflation and tough job market - money is tight.
Company Response:
State: CA
Zip: 91214
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
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: Midland Funding received my request to validate a debt on XX/XX/XXXX, for {$970.00} which is appearing on my Consumer credit report. I have copies of the green return receipt. I gave them 30 days to reply from the receipt of the Debt Validation letter. As of XX/XX/XXXX, there's no reply. This a violation under the Fair Debt Collections Practice Act ( FDCPA ).
Company Response:
State: MA
Zip: 02721
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
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: MIDLAND CREDIT MANAGEMENT MCM ARE VIOLATING MY RIGHTS BY CALLING AND SENDING ME LETTERS CONCERNING A DEBT THAT I DO NOT OWE.
Company Response:
State: NY
Zip: 11411
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 12. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 14. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 16. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 17. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 18. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 20. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 21. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 23. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 24. Identity Theft XXXX Account Number : XXXX This is not mine. 25. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 26. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 28. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 29. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 30. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 31. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 32, Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 33. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 34. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 35. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 36. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 37. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 38. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 39. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 40. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 41. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 42. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 43. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 44. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 45. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 46. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 47. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 48. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 49. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 50. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 51. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 52. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 53. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 54. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 55. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 56. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. XXXX 57. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 58. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 59. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 60. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 61. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 62. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 63. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 64. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 65. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 66. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 67. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 68. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 69. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 70. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 71. Identity Theft XXXX Account Number : XXXX This is not mine. 72. Identity Theft XXXXXXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. 73. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine.
Company Response:
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Was contacted this day by Midland Funding on a very old debt that I dont feel belongs too me or was opened up under my name and social fraudulently I feel that too be fair too me as a consumer the original signed papers on the debt that midland funding took over should be presented to me in proper form for my review along with evidence of proper amount owed too the original credit so that I can review and make a decision if I need too seek legal counsel in this matter I dont feel that the account in the amount of XXXX was my doing and feel that this was unjustly ruled against me without initial contact of the matter 5 years later this date from when the account was originally opened to initially contact me by Midland Funding its unfair and damages my good faith credit report. damaging my credit worthiness on the part of this Company.
Company Response:
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Thank you for your recent response to my concerns as outlined in your prior CFPB complaint response case # XXXX. I would like to dissect and highlight a few areas of concern in your response as follows. Midland : An investigation of this matter indicates that we became the servicer of the above-referenced account on behalf of purchaser, Midland Funding , LLC ( Midland Funding ) on XX/XX/2017 Concern : Attached response from XXXX XXXX indicates that you are not just the servicer as youve deceptively identified in your response, they in fact sold this alleged debt to you on XX/XX/2017. The term sold means that the original creditor is no longer associated with alleged debt. Authorization was never provided by myself the consumer to grant authorization to release my information in this transaction where Midland purchased the alleged debt. Your company Midland Funding LLC is in clear violation of the law!!!!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The experience would equate to the alleged debt which was never owed to you as there was no contractual agreement with Midland. Delete the above account from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in further escalation to include but not limited to legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful I look forward to receiving your response and hopefully no further escalation is required.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Respectfully disputed debt collection that is not mine feel that this debt that midland funding is now after 5years has opened a class G collection against me severely damaging my Credit is unjustly being waged against me as a consumer this account is fraud I ask that the account be resolved expeditiously as to not impact my Credit Records I have allways paid debt off when the accounts were legally my responsibility and this account with Midland Funding Does not belong too me and I feel I am unjustly been given unfair debt added on my Credit Reports . Ive made good faith efforts too resolve the matter without any response from this agency the company has repeatly lashed out at me in a negative manner.
Company Response:
State: PA
Zip: 172XX
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: MIDLAND CREIDT MANAGEMENT INC. PUCHAED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANS ACTION. MIDLAND CREIDT MANAGEMENT INC. has been sending me collection notices in the amount of {$2200.00}. They have been threatening to sue me if I do not pay them, and have been reporting this negative information on my credit report which is both misleading and damaging to my reputation as a natural person and consumer. I have never done business with this company nor does this company have any evidence of a contract with my signature. This company is passing my private information to other members possibly resulting in identity theft. Pursuant to18 USC 1028 whosoever during and in relation to any felony violation enumerated in subsection c, knowingly transfers, processes, or uses, without lawful authority, a means of identification of another person shall in addition to punishment provide sor such felony, be sentenced to ter of imprisonment of 2 years. Whoever, during and in elation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or false identification document shall, in addition to the punishment provide for such felony, be sentenced to a term of imprisonment of 5 years.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: this company has wrongfully damage my credit. i have attempted to have them remove this report because it was opened by my ex wife. they have failed to submit to me, in a requested timely manner, proof that this account is mine therefore violating federal law and committing fraud. i am prepared legally to fight this and will take any and all actions against this company. they are smart enough to know that they can not just enter things on a credit report because they feel it is my account.
Company Response:
State: IN
Zip: 46217
Submitted Via: Web
Date Sent: 2022-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A