Date Received: 2021-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. These accounts are 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 requested a complete payment history of these accounts for me to review the exact date on which the late payments and collections were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE THE FOLLOWING MIDLAND FUND ACCOUNTS FROM MY REPORT IMMEDIATELY : MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXXBalance {$470.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXXBalance {$690.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX A ) XXXXBalance {$780.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX XXXX ) -XXXXBalance {$840.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXXBalance {$530.00} MIDLAND FUND ( Original Creditor : 01 XXXX XXXX ) XXXXBalance {$370.00} MIDLANDMCMXXXXBalance {$370.00} MIDLANDFUN-XXXXBalance {$840.00} MIDLANDFUN-XXXX-Balance {$840.00} MIDLANDFUN-XXXX-Balance {$690.00} MIDLANDFUN-XXXX-Balance {$470.00} MIDLANDFUN-XXXX-Balance {$530.00} MIDLANDFUN-XXXX-Balance {$780.00}
Company Response:
State: PA
Zip: 19380
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: THIS File is reporting twice on the reports with XXXX. called them and spoke with an XXXX speaking person, hardly understand, but he threatened me to pay immediately with a demanding voice. this should be a violation.
Company Response:
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I HAVE BEEN DISPUTING AND REQUESTING FOR VALIDATION FOR THIS ACCOUNT FOR OVER 280 DAYS. THEY HAVE FAILED EVERY TIME TO SEND ME ANY SORT OF DOCUMENTATION PROVING THIS IS MY ACCOUNT IN ANY WAY. I HAVE REQUESTED THAT THEY REMOVE THE ACCOUNT FOR FAILURE TO ABIDE BY THE FCRA. THE LAST TIME I SPOKE WITH THEM THEY TOLD ME IT WAS REMOVED AND THEY WERE NOT REPORTING IT. THAT WAS A LIE. THAT WAS OVER 60 DAYS AGO. THEY HAVE NOT COMPLIED BY THE LAW AND REFUSE TO REMOVE THIS FROM MY REPORT MY LAST LETTER STATED This letter is formal notice that you have failed to respond in a timely manner to my dispute letter, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days or more, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. XXXX XXXX XXXX ), you may be liable for your willful non-compliance. Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 I sent a letter to MIDLAND FUNDING LLC. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.
Company Response:
State: IA
Zip: 507XX
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX, I mailed a certified letter to Midland Funding, LLC, requesting debt validation for a collection reporting on my credit report they allege that I owe. I disputed this thru the credit agencies ( XXXX, XXXX and XXXX ), several times and they advised the account was verified. I then emailed the bureaus to request their method of verification and to provide the proof. It has never been provided. Midland Funding advised the credit agencies above that the debt is verified. So why have they not responded to me yet with the requested information for debt validation? And, they are continuing to report it on my credit report. This is a violation of my consumer rights- both my FCRA and FDCPA rights ( failing to validate a debt at my request and continuing to report a disputed debt ). They have not responded as of XX/XX/XXXX. Initially, when I began disputing the account, the balance reported was {$1500.00}, now it's {$1500.00}. Between, XXXX and XXXX, it went from {$1500.00} to {$1500.00} to XXXX ( which is the high credit ) and now it says {$1500.00}. How did the balance change? How can the balance be more than the high credit- this is inaccurate reporting. The law states that the data must be entirely accurate or it must be removed. Beyond all the reasons above of this alleged collection.. the following are inaccurate, misleading and being reported a multitude of ways which is also a violation... They are reporting Number of months terms to XXXX. The last date active is reporting differently for all three credit agencies. The payment history is reporting current with XXXX and collection with XXXX and nothing reporting with XXXX. How much more needs to be inaccurate for me to be taken seriously and these to be removed? This is damaging my character and causing me to be denied from obtaining credit.
Company Response:
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: MIDLAND CREDIT MANAGEMENT IS ILLEGALLY DOUBLE REPORTING THIS DEBT THAT THEY SAY I OWE FROM XXXX XXXX WHICH IS ALSO SHOWING ON MY FILE AS A CHARGE OFF. IT IS ILLEGAL TO DOUBLE REPORT SOMETHING. I WOULD LIKE A VALIDATION OF THIS IN WRITING ALSO
Company Response:
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following account must be deleted from my report.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX of 2021 I checked my credit and found out that a company that I had no idea of was reporting to the credit bureaus that I owe them money. I have sent several disputes to them as well as the credit bureaus and they have all said it was verified as mine. I asked them to send me the validation that it was mine and all the methods used to validate these claims to which they have ignore all my request and continue to report on my credit.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
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: 95829
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
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: Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.
Company Response:
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A