Date Received: 2021-11-15
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response:
State: CA
Zip: 95023
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX, XXXX XXXX, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) THE TERM " BUREAU '' MEANS THE BUREAU of consumer financial protection transition, XXXX, and XXXX are assumed to be credit Bureaus and their is only one Bureau and that is the consumer financial protection bureau. On XX/XX/XXXX congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. The resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or particular kind coin or currency... are inconsistent with declared policy of congress.. in the payment of debts. This resolution declared that any obligation requiring '' payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items if Information.
Company Response:
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management purchased a debt from XXXX XXXX XXXX and I had no involvement with the transaction. I have reached out to the multiple times via USPS, and have a certified mail number XXXX asking MCM for information that shows I in fact owe this alleged debt ... .they have not produced this. According to 15 USC 3002 I am the natural person which means my name in all caps is not me. My name is XXXX XXXX. In 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection Bureau, XXXX, XXXX and XXXX are assuming to be credit Bureaus and their is only one bureau and that is the Consumer Financial Protection Bureau. Also, on XX/XX/, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... are inconsistent with the declared policy of congress... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. '' Furthermore, I never agreed for my information to be shared with anyone at any time nor did I receive any disclosures and according to 15 USC 1681 ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
Company Response:
State: ND
Zip: 58801
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I, XXXX XXXX, living human being/consumer, am submitting this on my own behalf. No third party is involved. Midland Credit Management failed to properly validate the debt pursuant to 15 USC 1692g sent on XX/XX/XXXX. They also failed to respond to my affidavit of truth, thus creating a fault. They committed FRAUD by collecting a debt not owed, and I have filled a complaint to the FTC for FRAUDULENT activities ( FTC Report Number : XXXX ).
Company Response:
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2021-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Verify Debt, I have shown it was not a charge made by me. Midland Funding LLC Fraud. Harassment and attempted extortion I am being harassed by a bottom feeder collector from Midland Funding LLC who continually changes the start date, adding and decreasing the amount by {$1.00}, adding and removing late pays and changing the company names. I for six years have been being extorted by Midland funding LLC I have disputed this over and over, and it has made them worst. I have disputed it with your agency, I have shown proof Ive contacted them and I continually do receive harassing phone calls, mail and attempts at extortion through means of changing data to alter my credit score. This is bullying and extortion. I have reported this to all major bureaus more than 17 times, made a report with the FTC and the CFPB And NOTHING was done! They now have doubled down and made more changes and continue to drop my credit over this fraud, they are the worst kind of people.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In XXXX of this year, my wife of XXXX years of a happy marriage passed-away from a long, lingering illness. As is the case with such long marriages, we had divided our household responsibilities and assumed the care of various elements individually. In this case, my wife took complete care of all our finances, including banking, installment loans, credit accounts, utility bills and the like. I had no input or knowledge of such activities during our long marriage, except to say that I trusted my wifes judgment in such matters completely. Upon her passing, I had to take over the responsibility for such matters myself. Although she left me good records, I was not privy to her decision-making process, and so I did not know the particulars of any such matters. This is not to be construed as a criticism of my wife, it is only a statement of how we conducted our affairs as a couple. Upon researching our banking and credit matters, I discovered that my personal credit rating was rather low, and I found that I was being associated with an unpaid debt, XXXX which I found no mention of in my wifes financial accountings. It is about this alleged debt that I write to you today. Midland Funding has a claim against me on my credit report. I have asked them, in writing, to substantiate that claim, but they have never done so. By that, I mean I have asked them to send me any evidence that I personally participated in this alleged account. I have asked for anything that evidenced a signature, a contract, anything that I might have personally done to incur this indebtedness, but they have not provided that to me. They send fragments of computer records, but those are so susceptible to fraud as to be unreliable indicators. I have disputed this alleged claim against me several times, using the credit reporting agency dispute process, but Midland simply says that their records are correct. Their continued reporting of this alleged debt against me, without proof of my involvement, continues to defame me and reduces my creditworthiness. Therefore, I have taken this extreme measure to ask that the people to whom I have addressed this letter require Midland to either produce concrete evidence of my personal involvement or remove the claim from my credit report. With respect, I sincerely request that the claim against my reputation be removed if Midland can not substantiate it against me personally.
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
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: I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the MIDLAND FUNDING still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account PRONTO.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
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: I filed a XXXX XXXX XXXX and was successfully discharged. Accounts that were included in my bankruptcy continue to show as active And open on my XXXX credit report. I have contacted XXXX many times and submitted multiple disputes and nothing has changed. Ive contacted the companies directly and theyve told me the accounts are reflecting as closed on their end and that I should contact XXXX credit bureau
Company Response:
State: IL
Zip: 60139
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM XXXX Balance {$710.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that XXXX Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on MIDLAND CRED. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A