Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity was stolen the debt is not mineThe creditor using threaten tactics to recover money that is not mine Im being harassed at work and at home after XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX is showing the two following accounts on my credit ; XXXX XXXX XXXX Account XXXX and MIDLAND FUNDING Account XXXX The two accounts do not show on XXXX or XXXX where my credit reads over 720+ but on XXXX because of these two fraudulent reports show a score of XXXX. Neither company is the real party in interest. Neither company ( debt collectors ) can provide any legal capacity to attempt to collect or report an alleged debt. There are no court orders or judgement ( s ) in place and therefore where there is no contract there is no claim! The entries are in direct violation of Ohio Revised Code 1321.45 and MUST be deleted. Further I was not notified of the 'requirement to authorize ' them before you closed out my previous complaint. Stop shielding them!
Company Response:
State: OH
Zip: 43605
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
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 CREDIT MANAGEM XXXX still reporting on my credit report in violation of Federal Law. The XXXX Credit Bureau is 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 right away.
Company Response:
State: CA
Zip: 91977
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 a bogus judgement was filed against me, and a lien in Small Claims Court. I have inform the company several times that I do not owe the debt they are claiming I owe. The amount originally started out approximately XXXX and now has accelerated to approximately XXXX. The creditor kept reselling the paper to other companies over the years. I paid a credit repair company to assist me in resolving the matter, but as of to date they have been ineffective. All I got was a judgement and a lien against me, without a court date to appear. I have spoken directly to the law firm representing the creditor and I ask them to present to me documentation with my signature, but as of to date they have not.
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX placed a collection account on my credit and sent me a bill in XX/XX/2021. I did not recognize this account/original creditor as it was for a retail card ( A Store Card which I actually have, but is issued by a bank other than the one this company represents. ) On XX/XX/2021 I submitted a debt validation letter, specifically the one found on the cfpb website requesting proof this debt was mine I received back from Midland Funding a copy of several " bills '' or statements showing my name but a different address. They DID NOT provide proof of ownership as I had requested in the cfpb letter - ie. a signature on an application. On XX/XX/2021 I wrote back to Midland Funding an offer to settle the bill to be rid of it, even though I do not recognize it. The offer was not accepted and Midland Funding has again contacted me demanding payment for the account. On XX/XX/2021 I wrote to Midland Funding again, explaining that they have NOT provided proof of ownership of the account and as such, I request that they stop contacting me and remove their entry from my credit reports. They have failed to remove the collection account or prove it was in fact my account. I request assistance in pursuing them for unfair practices.
Company Response:
State: VA
Zip: 22406
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX, Midland Funding and XXXX Funding refuse to provide me with 30 day Payoff Letters so that my mortgage company can pay them what I owe them. Please advise.
Company Response:
State: NC
Zip: 27530
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: My name is XXXX XXXX and I had my identity stolen many years ago when I lost my wallet and someone had opened a secured credit card with XXXX XXXX many years ago and I hired a lawyer that faught to help me fix my credit score and all was well and the account in question was marked as charged off and removed from my credit report forward till now I finally got my credit score a little higher and decided to give credit one a try and apply for a credit card and it said I was approved and a card was Shipped out to me but instead I got a letter from a company I've never even heard of claiming I have until XX/XX/XXXX of this year to pay them {$840.00} for an account that was years old and marked as charged off and removed and stated repeatedly that I did not apply for any card with them back then but they refused and continued to harass me for payment even though it was identity fraud. Now they are threatening to sue me if I don't pay them {$840.00} by XX/XX/2021 when I don't have that kind of money for an account I never even opened to begin with. This company name is Midland credit management Inc and I never made any deal or contract with this company in my life and this is the first time I ever tried to get a credit card from XXXX XXXX XXXX so for a credit debit collector to threaten me for an account that was charged off and marked with identity theft many years ago is rediculous. If anyone can please help I would be really greatful. Sincerely XXXX XXXX email XXXX address of debt collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX the letter they sent never specified what debt it was referring to either just the last four digits of a random account number and the amount and that they will send it to a lawyer and sue me if I don't pay by XX/XX/2021 or make a payment plan with them. Say go to Midlandcredit.com or call XXXX MCM account number XXXX for an unknown account I never applied for.
Company Response:
State: MA
Zip: 01109
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: 0n XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21 and counting. I have sent certified mail to Midland Funding LLC requesting that their company validate an alleged debt they are reporting on my credit reports. I do not recall doing any business with them or have any contractual obligation to this company. To this date, the company has not taken any actions. Yet, they continue to harass me, mail me, and report this debt after verified delivery of my letters. They are in direct violation of the Fair Debt Collections Practices Act. In my opinion they have violated at least three sections of this act by : Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease-and-desist certified mail under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, USC 1692 ( g ) Section 806 ( 5 ).
Company Response:
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland creditors appeared on my transunion report stating I opened an account XX/XX/20 in the smoking of XXXX. I have no knowledge of this account it does not belong to me I would like to see some paper work with my signature and proof the creditor has legal obligations to collect debt. My email address is XXXX My mailing address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX Illinois XXXX
Company Response:
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
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 particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Bureausbut they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are reporting on my Credit Reports : 1. MIDLAND FUNDING XXXXX Opened XXXX XXXX, 2016 Balance {$2400.00} ; 2. MIDLAND FUNDING XXXX Opened XXXX. XXXX, 2016 Balance {$1500.00} ;
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A