Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After my social security card was lost I had my identity stolen and a number of accounts were opened fraudulently. One of them is an account with XXXX. This debt has been purchased by Midland Credit Management. I do not know how much the debt is for the account was opened by someone else and this is a case of identity theft.
Company Response:
State: NJ
Zip: 085XX
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: 2021-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted the company on XX/XX/2021 regarding a debt validation and have not received any correspondence of the validity of the said debt. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
Company Response:
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
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: This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Company Response:
State: CA
Zip: 91724
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This dispute is in response to your recent claim regarding account # XXXX, which you claim I owe XXXX. Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. You continue to call, mail, email and contact my family members and I am moving forward with legal actions. This is not my account and I do not owe this debt.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
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: This is erroneous! Your agency failed to provide the monthly payment, terms, credit limit, past due, and date of last payment as it is missing from the report. It is your agencys job to investigate my dispute as it is severely affecting my scores negatively.
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
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: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I can't give you dates because these people ( Midland Credit Management XXXX XXXX XXXX ) have called me up to 3-4x a day since XXXX of last year and I have requested that they QUIT calling me NUMEROUS times. I have also been called at XXXX, XXXX, before XXXX, you name it, they've done it all. I block their numbers, they come back with literally 50 more, probably using a XXXX phone pool of rotating numbers. I think I reported about 20 of them the other night. They also refuse to announce who they are, only claiming that they're calling about a " Business venture '' in which I made a caller slip up on a call because she failed to claim our call was being recorded until AFTER I called her out on shenanigans in which she announced who they were and why they were calling. I have had them tell me they can't stop calling me unless I send a written letter, this is also a lie. When I tell you " Stop harassing me '' and you continue to do it, that's legal grounds. Listen, I'm fed up and these stalkery, creepy people with a bad business plan aren't my responsibility. Buying debt is XXXX. They can go under and deserve to. Tell them to take it up with my strawman account while you're at it. Americans aren't playing this fake debt game anymore.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland funding has continued to try and collect a debt from 2010 that was covered under debt insurance. I paid my bill until I was unemployed due to XXXX, filed the claims, and they have continued to harass me. I called them and quoted that the statute of limitations had long expired and that they were to cease and desist collection efforts. The woman said that there is no statute.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: The company collections is impacting my credit. A dispute was done in XXXX, XX/XX/XXXX {$510.00} Midland funding LLC XX/XX/XXXX ( 3 yrs, 9 mos )
Company Response:
State: MD
Zip: 21221
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
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: The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.
Company Response:
State: CA
Zip: 95824
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A