Date Received: 2021-11-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I want all Midland Funding accounts deleted. I was not aware. I have insurance and they should have paid.
Company Response:
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is deceitfully misclassifying themselves as a Creditor when in fact they are a collection agency to purposely cause me harm! This is a violation of the Equal Credit Opportunity Act which specifically states that a Creditor is an individual who extends credit. They know they dont extend credit and they know they have no business agreement from which there was ever a start date. Remove this immediately!
Company Response:
State: DE
Zip: 19702
Submitted Via: Web
Date Sent: 2021-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: My name is XXXX XXXX, it states 16 CFR 433.1 ( b ), a consumer is a natural person who seeks or acquires goods or services for personal, family, or household use. With that said, I want this alleged debt to be validated, stating from 12 CFR 1006.34 ( i ) ( a ) & ( b ), that you have provided communication within 5 days. 15 U.S.C 1692g sec.809 ( b ) that your claim is disputed and validation is requested. The following items that I need to verify the debt is : What the money you say I owe is for -Explain and show me how you calculated what you say I owe -Provide me with copies of any papers that show I agreed to pay what you say I owe -Provide a verication or copy of any judgement if applicable -Show me that you are licensed to collect in my state : -Provide me with your license numbers and registered agent or agent of service :
Company Response:
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management contacted me about an invalidated debt and made threats to me as a natural person and my reputation as a consumer. They have unlawfully put a negative remark on my consumer report pertaining to this invalidated debt and caused me great injury and harm, because I am being denied for credit. There are multiple FDCPA and FCRA violations Midland Credit Management has made in their attempt to collect this debt from me. I am fearful that Midland Credit Management will continue to make threats against me and harass me in relation to the alleged debt. I have sent Midland Credit Management a cease and desist and validation of debt to bring an end to this matter immediately. I have also invoiced Midland Credit Management, for multiple consumer rights violations. Pursuant to 15 USC 1692k.
Company Response:
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX, the original creditor, sent me a letter stating that they performed an investigation and found that I am not responsible for any previous or further balance on any accounts with their company. The accounts ( 2 of them ) associated with XXXX XXXX were not opened by me yet they are both showing up as collections on all 3 credit reports and still being reported by the 2 debt buyers ( Midland Funding & XXXX XXXX XXXX ). Neither should be there ( ever ) and I'd like them REMOVED ASAP! Not showing as " closed '', not as " collections '' - all traces REMOVED COMPLETELY! I will attach the letter from XXXX XXXX admonishing me from all responsibility on these accounts.
Company Response:
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I, XXXX XXXX, am that I am, the consumer in fact pursuant to 12 CFR 1006.2 ( e ), 12 CFR 1016.3 ( e ) ( 1 ) and 16 CFR 433.1 ( b ) /// I did not knowingly consent to enter into any consumer credit transaction with These reporting agencies./// These company ( XXXX XXXX XXXX, MIDLAND FUNDING LLC, XXXX XXXX XXXX XXXX , ) willfully violating the FCRA. Without my direct written consent those reporting agencies have used my social security number for their own benefits, without having any authority for such use, which is an unauthorized use under 12 CFR 1026.12 ( b ) ( 1 ) and identity theft pursuant to 12 CFR 1022.3 ( h ) ./// I did not authorize, nor aware the opening of these account on my behalf./// Those reporting agencies based on false and misleading representation with undisclosed material facts, which constitutes an unfair and deceptive practice pursuant to 12 CFR 1006.22 ( b ) a misleading collection to ruin my consumer credit report, which is an action that can not legally be taken pursuant to 12 CFR 1006.18 ( c ) ( 1 ) and 15 USC 1692e ( 5 ) .///// Those reporting agencies are harming my reputation, by reporting invalidated debts to my consumer credit report which violates 12 CFR 1006.14 ( c ) .///// Pursuant to 15 USC 1681 ( a ) ( 4 ) Those reporting agencies need to exercise their grave responsibilities with fairness, impartiality and respect for the consumers right to privacy. My consumer right to privacy has been breached in multiple counts, for multiple accounts by Those reporting agencies./// Pursuant to 15 USC 1681b ( a ) ( 2 ) Those reporting agencies may not furnish negative information to my consumer report without with my written instruction. No consent is identity theft pursuant to 12 CFR 1022.3 ( h ) //// THEY NEED TO REMOVE AND DELETE THESE ACCOUNTS IMMEDIATELY from my consumer credit report. Failure to delete will result in immediate court action in Federal District for the above referenced violations, I'll be seeking remedy and damages under 15 USC 1681n.
Company Response:
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of Federal Law. They failed to comply with 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. 1. MIDLAND CREDIT MANAGEM XXXX XX/XX/2021 Balance {$440.00} ;
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureaus are willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
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. In spite of the numerous previous written requests, the account, MIDLAND CRED, remains on my credit report in violation of Federal Law. They neglected to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my efforts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
Company Response:
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: Midland Credit Management, XXXX XXXX XXXX LA XXXX, XXXX XXXX XXXX, CA XXXX Has been sending me a collection notice Balance {$1400.00}. The collection has been reported as a pass due balance I dont know this Company. I have never done any business with this company. This Company doesnt have a contract with my signature.
Company Response:
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A