Date Received: 2022-01-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have this company on my credit report who Ive never done any business with, I havent signed any contracts with and have never even heard of them. I believe Im being scammed. Ive been trying to fix this problem. Its fixed with some Credit bureaus but not all XXXX. Midland Funding XXXX
Company Response:
State: IA
Zip: 507XX
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. Company also has no permission to report anything using my info pursuant to 15 USC 1681 4.
Company Response:
State: OH
Zip: 44128
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items I have on my credit report, it has been well over 30 days and I haven't received any investigation results.
Company Response:
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recently saw some judgement on a title search. This company ( Midland Funding ) has no rights to any debt ; since they've never been a creditor of any debt I have. I believe they are in violation of the Fair Credit Reporting Act. I never received proper notice ( process of service ) via certified mail, process server, or sheriff server. I contacted the court about this matter. They stated there isn't any ( proof of service ) on file. For this reason, we will be requesting that a judge accept a motion to vacate this illegally obtained judgement. Midland Funding is not the original debtholder ( creditor ). I'd like to know where Midland funding obtained this debt. I was never properly served with the debt. Therefore, I don't know what this judgment is for. I would like a full transaction history, charge offs from previous holders of this debt, payoffs, it seems a bit suspicious that somehow, they obtained whatever this debt is, and I receive no proof of it. I would like to request the court/judge vacate, dismiss this judgement and have the creditor start the process over and serve documents with ( proof of service ). I would like to know the original debt holder so I can speak with them directly and possibly settle, make arrangements to pay any debts, if it is actually proven to be my debt. Can the CFPB investigate Midland Funding, to make sure they are operating within the law ( with obtaining any charged off debts )? I have reached out to the attorneys for Midland Funding who are collecting on their behalf. I requested proof of the debt ( from the original creditor ). They have not provided this information to me.
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I moved to XXXX from XXXX, XXXX and came back XXXX, XXXX, XXXX and I starting having calls from MIDLAND CREDIT MANAGEMENT on my new number I got when I returned regarding accounts # XXXX and XXXX in the amounts of {$1200.00} and {$720.00} respectively. I spoke to few their agents about the above accounts, I have no idea about both accounts, besides one of the accounts was opened while I was outside the USA, whilst the second one was open while I was here but the transactions on both accounts has nothing to do with me or my lifestyle as Midland tried to tell me some of the transactions. I tried many times to dispute this matters, no success and they still insisted as a result put some negative remarks on my personal credit report and I am not happy about that.
Company Response:
State: VA
Zip: 20105
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This amount of {$410.00} appeared on my credit report. I have been trying to get in contact with the company only to be not answered. I have tried to talk with a representative that only hangs up on me when I explain to them this is not my account. They want my social security number but I am not giving them this information. I want the information removes as if is fraudulent.
Company Response:
State: GA
Zip: 31525
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have requested written verification of this debt from this company on multiple occasions. To this date, I have not received any documents validating this debt. All correspondence was? sent via certified mail delivery # ( XXXX ) XX/XX/2021 MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( 1 ) ACCOUNT # XXXX AMOUNT : {$2900.00} ( XXXX ) ACCOUNT # XXXX AMOUNT : {$13000.00} I have attempted verification also by way of disputing with the credit bureaus also. Verification was not provided from XXXX, XXXX, and XXXX who all continue to report these unverified negative marks on my credit report.
Company Response:
State: NC
Zip: 28054
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I DO NOT OWE MIDLAND CREDIT MANAGEMENT. I HAVE RECIEVED ANY PAPERWORK OF A COURT ORDER PRORPERLY SERVED TO ME. I HAVE NO KNOWLEDGE OF ANY ACCOUNT WITH MIDLAND CREDIT MANAGEMENT.
Company Response:
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter about a request for case dismissal regarding court case # XXXX from Midland Credit Management. I was unaware of this case and that an account had gone to collections for an alleged debt of {$2600.00}. I checked my credit report and noticed a derogatory remark on my report, I contacted Midland Credit Management and they said they will send a letter on dispute instructions. I went to the XXXX Police Department on XX/XX/2021 to file an identity theft report. I did not apply for credit through Midland Credit Management nor did I authorize anyone to do so on my behalf.
Company Response:
State: CA
Zip: 90504
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/2021 I went to court as a defendant against Midland Credit Management. XXXX XXXX was the attorney through XXXX XXXX XXXX, for the Plaintiff. I settled to pay {$2500.00}. I paid the amount on XX/XX/XXXX. The debt was removed from my credit report. On XX/XX/XXXX, the remaining balance, of the original debt was placed on my credit report as a collection with Midland Credit Management. I went through XXXXXXXX XXXX site to have it removed. Midland is stating that the account is valid. I have received email and mail documentation from that law office that the debt has been paid and settled.
Company Response:
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2021-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A