Date Received: 2021-10-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Midland Credit Management keeps bothering me on a debt that I dont owe. {$650.00} or an amount that I dont remember having. Im currently a broke XXXX XXXX.
Company Response:
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent certified letters out to them and I am not getting know respond at all. The debt that they are trying to receive have been removed off of my credit report and put back on there. By Law they can not remove debt and put back on there. Once it comes off my report it must stay off. They will not respond to none of my certified letters that I have sent out. Please Help. Thanks. Account ; Midland Credit Managem Account Number ; XXXX Balance ; {$480.00}
Company Response:
State: IL
Zip: 62040
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and I haven't received any results..
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: They have changed the amount to this alleged account two to three times per monthThey keep changing the amount from {$450.00} to {$450.00} which is illegal. Ive never made any payments on This accounts on XX/XX/XXXX I sent a letter to this company asking for them to validate the account, but they have yet to so. As per FCRA, if XXXX debt collector does not verify the account ; it must be removed. At this point Im going to have to file a complaint with the FTC and small claims court. This is illegal and they have yet to prove that they can collect in this debt. On XX/XX/XXXX they removed the account from my report and added it back to flag it as a new account
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been disputing this account for some time now with Midland Funding. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: 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: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2021-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company name Midland Credit Management is trying to collect a debt from me that is not owed. I never received any credit cards from this company. I sent a letter to the credit bureaus to remove it. I also sent communications to the company but have not received a response. This may be someone else using my credit. I was a victim of fraud in the past. This false debt is having an adverse affect on my credit report and I want it removed.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They have been after me for years. Repeated calls, throughout the day, at all hours. They have sued me in small claims court. They have attached my wages. Since I changed jobs, they are back to harassing me on the phone.
Company Response:
State: AZ
Zip: 85027
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I just received a call today XX/XX/XXXX from Midland Funding regarding a debt owed for an XXXX XXXX XXXX XXXX opened in XX/XX/XXXX ( when I lived in XXXX ) . I have NEVER had an XXXX account until this year via XXXX XXXX, which is currently valid and in good standing. This debt has never once shown on my credit report to where I would have been alerted to this fraudulent card. The address they had for me then is for an address I lived at briefly in XXXX ( XX/XX/XXXX-XX/XX/XXXX ) with an ex boyfriend. Midland said statements ( 4 ) were sent to that address in XXXX. Again, if i had seen a statement it would have alerted me to the fraud and I would have reported it sooner. Again my current XXXX credit card is the 1st XXXX credit card I have ever had.
Company Response:
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
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: 35216
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A