Date Received: 2021-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with MIDLAND FUNDING on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
Company Response:
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-14
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: Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Company Response:
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: The payroll department ( my employer ) has brought to my attention I have a new garnishment. When looking into it I found it was for an unpaid balance on a XXXX card. I had 4 credit card balance, XXXX being one of them, that were paid in full XX/XX/XXXX. In XX/XX/XXXX, we paid {$6700.00} to pay the XXXX credit card in full and closed the account. Now I'm being told I owe over {$700.00} and my check will be garnished in the amount of {$380.00} at the end of this month if I can't provide proof. It was so long ago I'm not sure how to do that. I know in XXXX my mother wrote the check in the amount of XXXX but no longer have proof of the account being closed as it was over 15 years ago. Also my employer said that I paid {$4.00}, xxx toward this debt in XXXX and XXXX. I was overwhelmed with medical debt at that time and didn't question it. I feel I do not owe the $ XXXX the collection company is trying to obtain from me as we as the {$4.00}, xxx I have already paid. Please help! The debt collector company number is XXXX and email : XXXX Thank you. XXXX XXXX
Company Response:
State: CA
Zip: 93436
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am a consumer and natural person. Before I knew who I was as a consumer/natural person, I was taken advantage of in the form of threat to sue and out of fear because of not understanding Federal laws given by Congress for consumer protection. I have been paying a third party company ( Midland Funding LLC/Midland Credit Management ) {$50.00} a month thinking it was XXXX XXXX. I am very upset of the deception that was brought against me. XXXX XXXX sold my information without my consent to this Business ( Midland Funding LLC ). That falls under Aggregated Identity theft which violates 18 USC 1028A which Midland Funding LLC/Midland Credit Management owes consumer/natural person {$1000.00}. I have never done business with Midland Funding LLC before this. Midland Funding/ Midland Credit Management is not supposed to interfere in personal business matters they never started. I want every single dollar this company collected from me due to fraudulent collecting of personal information from consumer plus {$1000.00} fine per violation pursuant Federal laws, Title 15 Chapter 41 in application. Midland Funding/Midland credit management threaten to sue me but ignores 15 USC 1692 ( e ), that section is titled false or misleading representations. I can not be sued if an attorney is involved per federal law. Even the constitution has 2 more laws that help with that. Any attorney is not an attorney as they say they are or portray to be. The FDCPA tells us no one is exempt from these laws and is supreme to any other laws that do not serve your greater protection as a consumer. Federal law trumps all laws. FDCPA says attorneys are fraud. You violated this law = {$1000.00} to Consumer/Natural Person 15 USC 1692 K states monetary damage for every law violated Midland Funding LLC/Midland Credit Management owes me {$1000.00} dollars. No company other than The company I was doing business with originally can communicate with me. You need my direct consent to communicate with me and I never gave Midland funding LLC/Midland Credit Management direct consent to communicate with me to harass me about a debt that has no business with them pursuant to 15 USC 1692c ( a ). This violation puts Midland Funding LLC/Midland Credit Management in fraudulent activity. I had a relationship with the corporation not a third party/middle man company. You violated this law = {$1000.00} to Consumer/Natural Person I want to know what law states that I am obligated to pay debt from Midland Funding LLC . 15 USC 1692a ( 3 ) states I am not obligated to pay any debt because I am a consumer and thats a natural person under federal law. All obligations are for the United States not the natural person 18 USC 8. You violated this law due to the fact that you forced obligation for a debt = {$1000.00} to Consumer/Natural Person Midland Funding LLC threaten to sue me. 15 USC 1692 I B states no lawyer or anyone can sue me without my authorization. I never gave them permission to sue me. You violated this law = {$1000.00} to Consumer/Natural Person Midland Funding LLC/Midland Credit Management owes me {$5000.00} plus the total amount collected from me since the deception per federal laws Title 15 Chapter 41 which protects the consumer and natural person. I am the original creditor I am the consumer I am a natural person,
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I was served a civil claim for money from Midland Credit Management. You should be familiar as a simple word search for " Midland '' in your system returns over 1600 complaints. That is only in the debt collection category. Initially I went online to pay the debt but with the pending court case I decided to call instead to make sure that the case would be dropped if I paid the debt. I called Midland on XX/XX/2021 at XXXX. I was advised by XXXX XXXX that for a payment of {$850.00}, my debt would be settled-in-full, that I would receive a letter stating this and that Midland would file a motion to have the judgement dismissed. I paid the amount in good faith and Midland has not upheld its portion of the agreement. On XX/XX/2021, I checked the state website and saw that the case was still active and no motion had been filed. I called Midland and spoke with a gentleman named XXXX XXXX who told me Midland had no intentions on filing the motion prior to the court date or providing any documentation that the account has been settled in full. I advised him that this is what I was told and that is why I agreed to settle otherwise I would have gone to the court and made arrangements with the attorney. Mr. XXXX stated that the " only way '' to dismiss a case is to show up and do it in person. I advised this is not true. you can file a motion prior to a case and the he was again being deceptive. I made it very clear to XXXX that I did not want a judgement and wanted it dismissed. XXXX told me that for {$850.00} a motion would be filed as soon as the payment cleared. The payment has cleared and no motion has been filed. XXXX also advised me that the {$850.00} would settle in full yet, the website shows they are still after the remaining {$94.00}. The website does not make mention of my payment though. In fact it states there is no payment history. Of course there was a payment made. How else did my balance go from {$940.00} to {$94.00}? Lastly, XXXX stated that the company would update their website to show the balance has been steeled in full. I specifically asked this question because I was leery of giving away {$850.00} without any sort of reassurance that the company would follow through. It turns out my concerns were correct as Midland has not followed through with any of these items. This is a violation of both UDAAP and FDCPA.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a copy of my credit report and noticed the company in question reporting to the CRAs that I owe them a debt. I have tried on several occasions that they verify the information as accurate and send me the method of validations. They have yet to abide by my request.
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: IN RESPONSE TO CFPB : XXXX MIDLAND CREDIT MANAGEM XXXXXXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1982 ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have an old debt and the found I started working and started a garnishment. I am like " ok they taking an small monthly amount so is ok this will be paid and removed from my credit '' So now months later I check XXXX more closely and see they are $ XXXX over what my credit score reports... Now I go to the website of collection and the have reported I paid them {$400.00} over what is in my credit score but they say I still owe {$880.00} more and they can't do anything because a third company is handling my account and they closed the chat! I called the second collection agency XXXX XXXX XXXX XXXX and logged in my account with them but they refuse to talk just put me on hold for hours! Numbers : XXXX : {$1300.00} XXXX XXXX : already collected {$1600.00} say {$880.00} remind to be paid. Money garnished already in my statements : {$1800.00} XXXX XXXX XXXX XXXX XXXX website : no payment is recorded in their website!
Company Response:
State: NJ
Zip: 07087
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : MIDLAND FUNDING LLC - XXXX Opened JXX/XX/2017 Balance {$5000.00} MIDLAND FUNDING LLC - XXXX Opened XX/XX/2017 Balance {$3800.00} MIDLAND FUNDING LLC - XXXX Opened XX/XX/2017 Balance {$1400.00} MIDLAND FUNDING LLC - XXXX Opened XX/XX/2017 Balance {$1400.00}
Company Response:
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2021-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A