Date Received: 2021-09-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX sued me with out serving me any paper work. Had no idea i was being sued. Got multiple calls a day from diffrent numbers never left one voice mail. None of the phone numbers showed up as XXXX.
Company Response:
State: NJ
Zip: 08005
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Midland Funding LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 6801 ( a ) ( 1 )
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
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. 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, and I requested a complete payment history of this account for me to review the exact date on which the late payments and collection were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Company Response:
State: PA
Zip: 191XX
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: 2021-09-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has been sending me collection notices and constant phone calls, in the amount of {$1800.00}. The collection has been reported as past due. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Company Response:
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This account has age off my credit report and still reporting negative remarks to this day on XXXX. I know this account does not belong to XXXX XXXX XXXX I have asked for proof. to this day I have not yet received any notice of this account. I request the following. The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Please also note whether this debt is within the statute of limitations and how that was determined. Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well.
Company Response:
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
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. 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, and I requested a complete payment history of this account for me to review the exact date on which the late payments and collection were posted. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. REMOVE IT FROM MY REPORT IMMEDIATELY.
Company Response:
State: PA
Zip: 19152
Submitted Via: Web
Date Sent: 2021-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Midland Funding stole my information without my signature. Reported information to the credit bureaus. Sue me. Put a judgement on my property. And ruin my credit.
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I XXXX XXXX am doing this myself with no third party involved. Midland funding is in violation of 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. I the natural person Never gave Midland funding consent to report anything to the credit reporting agancies nor do I have a contract to do business with them. Midland funding Is in violation of 18U.S.Code 245-Federally protected activities ( a ) ( 1 ) Nothing in this section shall be construed as indicating an intent on the part of Congress to prevent any State, any possession or Commonwealth of the United States, or the District of Columbia, from exercising jurisdiction over any offense over which it would have jurisdiction in the absence of this section, nor shall anything in this section be construed as depriving State and local law enforcement authorities of responsibility for prosecuting acts that may be violations of this section and that are violations of State and local law. No prosecution of any offense described in this section shall be undertaken by the United States except upon the certification in writing of the Attorney General, the Deputy Attorney General, the Associate Attorney General, or any Assistant Attorney General specially designated by the Attorney General that in his judgment a prosecution by the United States is in the public interest and necessary to secure substantial justice, which function of certification may not be delegated. ( 2 ) Nothing in this subsection shall be construed to limit the authority of Federal officers, or a Federal grand jury, to investigate possible violations of this section. ( b ) Whoever, whether or not acting under color of law, by force or threat of force willfully injures, intimidates or interferes with, or attempts to injure, intimidate or interfere with ( 1 ) any person because he is or has been, or in order to intimidate such person or any other person or any class of persons from ( B ) participating in or enjoying any benefit, service, privilege, program, facility, or activity provided or administered by the United States ; Midland funding has tired to intimidate by force willfully injuring me from enjoyment of benefits and services administered by the United States ; Midland funding is in violation of 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. Midland funding has engaged in harassing, oppressing and abusing me in the connection of a debt when pursuant to 18 USC 8 pledged all obligation to pay my debt. Midland funding is in violation of 15 U.S. Code 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. Midland funding has provided false information to XXXX
Company Response:
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: in XXXX Asset Acceptance LLC won a default judgement in court against me, I was not even notified that there was a court hearing involving me nor did I know about the judgement. I was unaware of this until just last year XXXX. In XXXX I recieved a notice that my wages were being garnished by Asset Acceptance LLC in the amount of {$5300.00} XX/XX/XXXX. I have no idea what this debt is for because there was no way I ever could of owed this amount considering I never had any credit over the amount of {$500.00} due to my credit and that was still long ago. It also would not add up to XXXX. They garnished me and still are currently garnishing my paychecks and I still have not been told what this debt is for. I then got a second notice that dated XX/XX/XXXX calculating debt at {$6100.00}. The amount had gone up suddenly after they had been garnishing my checks already which is not possible at all. I thought it was strange so, I looked up the case by the number on the garnishment papers and from what the court shows on file is that Asset Acceptance LLC won a default judgement in XXXX and that the monetary awarded amount was {$3400.00} and had sent garnishment papers to several banks or something thinking I worked for these banks and were told I did not. I never have worked for any bank so, not sure where they thought I had. as well I had plenty of jobs from XXXX until currently that they could of garnished wages from yet, never had. The court case they have listed on the papers also is stated as CLOSED. So, not only are they garnishing me f something I dont even know what it is for, they also are garnishing me from a closed case from XXXX in which the amount that was awarded was XXXX, yet, they are garnishing for XXXX now after they have already garnished me for almost a year and gotten at least XXXX from garnishing me already after first listing the amount owed as XXXX. I think this company is fraudulent and garnishing my wages for a old judgement that is now long been closed and they are changing the amount of debt owed and increasing it even after they have gotten payments garnished for nearly a year. They also were only awarded XXXX in the judgement by the court so, why are they trying to collect almost twice as much. There is obviously something very wrong here and they are trying to collect far more than they are suppose to that is if they can still collect on a closed case from XXXX, which I dont think they can.
Company Response:
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: After sending multiple letters to Midland Credit as well as an validation of debt letter and a cease and desist regarding an alleged debt. I received what appears to bank statements as proof of verification that the so-called alleged debt is indeed mine. But it is not mine XXXX XXXX ' debt I never signed a contract nor gave my social security number to Midland Credit Management nor XXXX the so-called original creditor. Pursuant to 15 USC 1602 ( e ) " person '' refers to a natural person. Also pursuant to 15 USC 1692a ( 4 ) a Creditor refers to any " person '' who created the alleged debt. Therefore you are attempting to state I, XXXX XXXX, the natural person created the alleged debt but I did not. You said the last four of my social security number was used to open the account but I never used the last four of my social security or signed a contract with you and XXXX to open this account. Pursuant to 15 USC 1692g only I the alleged creditor/natural person can verify this alleged debt and only you the debt collector can " ASSUME '' the debt is valid. An assumption is not fact and which is why pursuant to 15 USC 1692g ( c ) it also states the failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I'm not liable for this alleged debt that is not mine and in no way can you nor a court interpret otherwise, not even if I did not exercise my right to attempt to validate beforehand.
Company Response:
State: CA
Zip: 90061
Submitted Via: Web
Date Sent: 2021-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A