Date Received: 2021-12-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is not mine. The name of company is MIDLAND CREDIT and this account was opened on XX/XX/XXXX. I am a victim of identity fraud and I have spoke with both creditor and credit bureaus about this account and it has been removed from all three bureaus but has been put back on my XXXX only. I requested for more information pertaining to this account from both creditor and credit bureaus and nothing has been sent in over 90 days. XXXX XXXX XXXX XXXX was opened XX/XX/XXXX and its reporting inaccurate/incorrect information pertaining to late payments and I requested for proof by creditor and credit bureaus and both told me they cant provide further information.
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: deducted from my paycheck statement in the amount of {$260.00} the garnishment deductions do not correspond with the account information that has been provided via mail and listed on the website of Midland Credit Management Please let it be noted I have attached the payment statements send to me from Midland Credit Management do not correspond with the following payroll garnishments as documented on my pay sub statements issued for the following dates : XX/XX/XXXX {$260.00} ( please note the first garnishment went into effect as deductions documented on my pay sub statement ) XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$260.00} Total Amount deducted under garnishments {$2.00}, XXXX I have attached all of the corresponding documentation that has been provided via postal mail and Midland Credit Management website account documentation listed under the account that Midland Credit Management Notice of Garnishment dated XX/XX/XXXX, XXXX that reflected as per Midland Credit Management response dated XX/XX/XXXX, states that the documentation that I attached to my compliant which I was very confused about listed on their website account that reference the Judgement against XXXX XXXX : A payment that were listed on Midland Credit Management XX/XX/XXXX - {$140.00} XXXX {$30.00} XX/XX/XXXX XXXX XX/XX/XXXX - {$35.00} XX/XX/XXXX - {$36.00} XX/XX/XXXX - {$35.00} As documented on Midland Credit Managements response letter dated XX/XX/XXXX, that the listed deductions of the printout that I attached and retrieved from Midland Funding Management XXXX were payments that Midland Credit Management paid to cover legal fees ( as per the account number documented on Midland Credit Management website under selected account : XXXX. ) But, as per the XXXX XXXX Civil Court, Civil Judgment attached the legal fees issued on XX/XX/XXXX are not reflected on the payments Midland Credit Management references as legal fees. This brings me to a previous complaint that I have filed stating that Midland Credit Management continues to have on file inconsistent posting of payment records with an explanation. How I became first aware of the Judgement Midland Funding LLC filed against me was when I received the Notice of Garnishment letter on XX/XX/XXXX. It was not until I was advised to file an Order to Show Cause that I did on XX/XX/XXXX, at the XXXX XXXX Civil Court that I became aware of Midland Funding LLC had been granted a judgment against me. The inconsistent records of my case previously and currently remains to be practiced by Midland Funding LLC XXXX XXXX XXXX XXXX, XXXX, but as per the documentation covering XXXX & XXXX, XXXX & XXXX were the original legal firm handling Midland Funding LLC legal documentation that pertains to the Judgment and all required legal action that was supposedly taken from XXXX to the present. I have received responses from my previous complaints filed with CFPB that clearly shows a pattern of being inconsistent given the recorded and filed documentation that Midland Funding LLC has provided and in responding to my complaints and consistent documentation of record recording that is listed on Midland Funding web site and documentation that they have provided to me via postal mail to date. Throughout the complaints that I have filed Midland, Credit Management responds to my complaints they continue to state that they are unable to answer my questions in regards to statements that I have represented and refer me to XXXX XXXX XXXX XXXX XXXX ( the prior legal firm that is documented on records dated XXXX to XXXX were presented by XXXX XXXX XXXX XXXX XXXX. ) This is an inconsistent response considering that Midland Funding LLC/Midland Credit Management is documented on the notice of garnishment as the judgment creditor, Affirmation In Opposition to Order To Show Cause dated XX/XX/XXXX, Midland Funding LLC is the plaintiff, and all of the documents that I was provided when I filed an Order to Show Cause that XXXX XXXX XXXX XXXX XXXX provided me after XX/XX/XXXX, as are the people that are providing me with the inconsistent information that does not correspond with the garnishment documented on biweekly pay substatements that went into effect as of XX/XX/XXXX to the present. This is a question for CFPB what are the requirements required when a garnishment is occurring that the person being garnished is to receive from the XXXX XXXX XXXX XXXX who is garnishing my paychecks.
Company Response:
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2021-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I'm apply for a sensitive public trust position with the XXXX government. On my credit report, it shows that I owe {$850.00} to XXXXMidland Funding , who obtained a judgment in XXXX district court for that amount. On XX/XX/2021, I called Midland and they said they have no record of that debt, and I called XXXX XXXX XXXX credit card services, who told me to contact XXXX, and XXXX told me to call Midland. On XX/XX/2021, I contacted the attorney of record on the judgment, and she instructed me to call the XXXX XXXX XXXX in XXXX XXXX, Michigan. XXXX told me to call Midland Credit and provide reference no, XXXX, and the last XXXX of the credit card was XXXX. On XX/XX/2021, I contacted Midland Funding and provided all the information and they still couldn't locate the debt. They couldn't locate the debt records, and told me that I am not obligated to pay on the account and a satisfaction will be recorded at the courthouse within XXXX days. I told them that fine, but I want a letter on Midland 's letterhead stating what they just old me. Midland said they are unable to do that. Midland would not forward the call or request to a supervisor to provide that letter. Midland 's number XXXX, XXXX, or XXXX. I can not wait thirty days. I'm undergoing a background investigation, and I want a letter indicating that I do not owe the debt and the court judgment will be satisfied so that I can present it to the federal investigator performing my background and clearance checks.
Company Response:
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I previously filed a claim against this company ; claim number XXXX. The creditor responded, but not correctly. The creditor said I didn't sent them a request for debt validation. I've uploaded/attached my debt validation request letter dated XXXX XXXX, 2021. To date, I haven't received a response to my request.
Company Response:
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: After reviewing my credit file I noticed a derogatory account from mcm.I sent a debt validation letter to MIdland Credit XX/XX/2021 certified mail. Midland never spoke to me in person before reporting this alleged info. They also never sent a debt validation notice.they never gave me information on how to dispute the debt. They also NEVER included a tear off form for me to send back to dispute the debt or take other actions. They also never sent me any information about my debt collection rights before reporting this alleged information. Pursuant to XXXX5 usc 1611 Midland Credit Management is criminally liable. They are also liable for each FDCPA violation pursuant to 15 usc 1692k.
Company Response:
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Rep, I made a complaint to the CFPB last year. You can look at my previous complaint or see Case # : XXXX. My complaint revolves around a Judgement that Midland fraudulently obtained using False Affidavits. I have written Midland XXXX attorneys - XXXX XXXX XXXX XXXX XXXX personally and through my attorney to throw out the judgement based on their Consent Agreement with the CFBP. I don't want to go through the details of the 63 page consent order but MidlandXXXX used false affidavits See Paragraph XXXX of Consent Order below and Did not have original account level documentation See Paragraph XXXX. Also See Paragraph XXXX For the Dispute Affidavit Lawsuit Debt that has yet to be collected, expected to total more than {$120.00}, ooo, ooo, Encore must within 90 days of the Effective Date : a. Withdraw, dismiss, or terminate all pending Dispute Affidavit Lawsuits ; b. Release or move to vacate all judgments obtained during the Relevant Period regarding Dispute Affidavit Lawsuits ; c. Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits ; and d. Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable. See 2 Consent Orders Below : https : //files.consumerfinance.gov/f/201509_cfpb_consent-order-encore-capital-group.pdf https : //www.consumerfinance.gov/about-us/newsroom/consumer-financial-protection-bureau-settles-lawsuit-debt-collectors-and-debt-buyers-encore-capital-group-midland-funding-midland-credit-management-and-asset-acceptance-capital-corp/
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I the consumer, never received proper validation of debt which should include XXXX required items according to congress although my consumer report does reflect that they showed an active dispute. This further confirms that their practices are deceptive and illegal. Pursuant to XXXX Purposes of Consumer reports 15USC 1681b I never gave this third party debt buyer as described as account type. So they are calling themselves a debt buyer which insinuates that I the consumer owe an alleged debt which is also a violation Furthermore, I never gave written communication giving this debt buyer the right to furnish this information on my consumer report which per 15US 1681b states that they must have either written consent or subpoena by federal law to place information on my consumer report which none have been provided. Please provide details to substantiate contract or right to be debt buyer on behalf of the original debtor as shown on my consumer report as XXXX BANK. Furthermore, the contract between myself the consumer and Midland Funding to illegally humiliate me by furnishing this incorrect information without my consent. Furthermore, my consumer report currently reflects that Midland Funding completed investigation of FCRA dispute. 15 USC 1681a of the FCRA defines an " investigative consumer report " by performing a personal interview with neighbors, friends, or associates of the consumer. As you show on my consumer report you performed an investigative report. Please provide proof of whom you spoke with to confirm that information listed in my consumer report is true and accurate. While I know that this type of interview was not performed to substantiate your alleged investigation I am forced to move forward with pursing violations as outlined in the items above. You will also remove this information from all my consumer reports immediately or I will be forced to persecute your company for not only violating my consumer reports per federal law, but also deformation of character based on your false reporting.
Company Response:
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has reported a collection amount of {$620.00} to the credit bureaus and it is negatively impacting my credit. It is being reported as a past due balance and I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Company Response:
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2021-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted my credit card company to settle the debt that was owed. I was informed that my debt had been sold to Midland Credit Management and was provided a phone number of XXXX. I called and spoke with a woman with a foreign accent named " XXXX XXXX ''. I explained to her that my husband and I were in the process of obtaining a home equity loan to pay off our creditors, and that when I had previously spoken to my credit card company they were willing to settle the account for the amount of {$7500.00}. I explained that in the time that had passed that we received the letter from them and that our approval was given and our closing was scheduled, the credit card had sold the debt to them. I asked if they would be willing to accept the same offer that we were provided by the credit card company and that I hoped that they would because the loan acceptance was based on those figures. She said that she could not accept {$7500.00}, but would accept {$7700.00}. I said that would be great, and I would like to accept that offer. I asked if she would please send a settlement letter and she agreed that she would. I waited the whole day before calling back because I did not receive the letter. I called back at 4pm and was assured that I would receive a letter. I received an email with a link to click on that took me to their website. I logged in with my account information and saw that there was a " custom offer ''. I clicked the link, but it would not allow me to accept the offer. I have called back and spoke with at least three other people ( including a manager ) who are unwilling to generate a letter for me. How is that they have offered this amount to me to settle, but will not generate a letter stating such? The only thing that my online account states now is that I have made a payment arrangement in that amount, but it does not indicate that the account will be paid in full upon paying it. What is to keep them from coming after me for the difference after I pay them? They have not provided me with a statement to their figure that they said they would accept as payment in full. I know that they are capable of doing this because I have another account with them in which they did.
Company Response:
State: MI
Zip: 48178
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I reached out to detail account XXXX collection agency and original bank I have no affiliation with. Wasn't no opened in my name or with my approval.
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A