Date Received: 2021-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit Management claims I owe {$1700.00}. They have reported the amount multiple times on my credit report which lowers my credit more than a single report. Furthermore, they claim on their website that I made a payment for {$5.00} on XX/XX/2021 towards the allegedly owed amount. I never made such payment and my checking account statements will reflect that. I don't understand why they would do that - perhaps to subvert the statue of limitation of the alleged debt. Of note : a previous lawsuit involving Midland Credit Management resulted in being settled in my favor.
Company Response:
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: A Cease and Desist order was place on this company after many threats to take legal action. I spoke with a representative prior and notified them that the account was in dispute due to unfair and innacurate charges and alleged amounts. This company has sent letters to my home with threats to take legal action. I spoke with a representative on XXXX at phone number XXXX where they threatened to take legal action if I did not pay the alleged debt, after stating there was a cease and desist order with this company he preceded to continue to ask me to pay. Under title 15 usc 6801. Protection of nonpublic personal information states each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 15 U.S. Code 1692e.False or misleading representations, also states that 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 : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. This company has caused me great stress due to the above violations. 15 U.S. Code 1681q.Obtaining information under false pretenses states that Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. I am demanding I be compensated for the above violations stated in 15u.s code 1117.
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
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: On ( XXXX, Midland Credit Company Profile add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Name has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Company Response:
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: As of XX/XX/XXXX of 2021. A judge and MCM lawyer found that I was exempt on continuing writ of garnishment. I filed complaint with you all back in XX/XX/2021, and they said they would cease and desist debt collection. Even though they said that they had legal to but the thing is my situation has not changed I have kids that I take care of nothing has changed. Yet, here we are 3 months later them sending me a letter trying to collect even though they said they would put a cease and desist on my account cause I do not have the money. This was a debt that I had when I was married and my wife used up the card when she lost her job. So I will keep filing my complaint cause we put this already in front of a judge and proved that I am too poor to pay this debt.
Company Response:
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a letter from my employer on XX/XX/XXXX that beginning XX/XX/XXXX my check would be garnished for a repayment of credit debt to Midland Funding LLC for $ XXXX Sherriff fee+ {$1.00} daily interest + {$12.00} disb fee. When I contacted them they informed me it was for a debt at XXXX XXXX opened in XXXX but would not give me the amount owed. I have never opened a credit card at XXXX and explained that I have never received any information from XXXX XXXX and they told me the last information that was sent to me was in XXXX. I never knew about this lawsuit and they obviously were sending it to the wrong address because she told me the account was opened in my name with my social security number and 4 payments were made towards this XXXX Credit Card from that address. I explained that it was definitely fraud because I have never owned a XXXX credit card and I do not know if this is something that my ex husband may have opened in my name because I was married back then. I can not prove this but I do not have an explanation. I also inquired why I never received notice from XXXX XXXX and all these years later they have chosen to sue me and garnish my wages for a debt that I never incurred and left without being paid. I was able to pull my credit report and XXXX is not on it and neither is Midland Funding. I am also working with XXXX XXXX for credit repair and I spoke to their fraud department and they saw nothing on my credit report for XXXX or Midland Bank. Midland Bank did not serve me with court papers and I was hospitalized on XX/XX/XXXX with XXXX and was sick for 3 months nearly died. I have no money to give this company for fraudulent activity because I am only working part time and was paid through XXXX fund for the time I was sick. I barely make enough to support my family and they are taking 25 % of my funds for an account I never knew existed. They have my name, old address on the XXXX Account, and my social security number but it was not me. I have paid off my credit cards and I am trying to fix my FICO scores. This does not even show up and the account is from XXXX. I tried to file a police report but they denied me because I couldn't show them proof of a XXXX account. I do not have a card, an account number, or credit report to show this is a debt I owe. Please help me because although it is in my name with my social security number and old address I would need help proving that it is not me. I asked Midland for banking information from which the account was paid but was unable to obtain that information. That would validate for me that my ex husband was the culprit because he would've had access to my debit card and check book. Midland Funding did not send me court information they just sent the court paperwork to my employer. I never knew that they intended to sue me and their claim of sending the mail in XXXX can not be proved because I never received any mail from them at all. I have lived at my current address since XXXX and moved away from my abusive husband and lived with my mother since XX/XX/XXXX. We attempted many times to get back together but the relationship was irreparable and we separated for good in XXXX and divorced after years of court appearances in XXXX. I am pleading that an investigation begin with Midland Funding because they are garnishing, y wages and never sent paperwork to my address informing me of this unlawful fraudulent crime. They sent it to my employer and possibly to the old address which was XXXX XXXX XXXX XXXX, XXXX XXXX my current address since XXXX is XXXX XXXX XXXX XXXX Ca XXXX and I am currently in forbearance due to XXXX. I am an XXXX XXXX at XXXX XXXX and have ben frontline worker since the beginning of XXXX, I caught the XXXX at work. Please assist me with this fraudulent credit card expenditure that I was not responsible for and had no knowledge of by XXXX or Midland Funding LLC who claim thy sent me a letter in XXXX when I spoke to them today XX/XX/XXXX.
Company Response:
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Attempt to collect on an account that was charged off. They called and mailed notices about this but no further information.
Company Response:
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I had phone numbers come in through a private phone number. When I picked up, XXXX from Midland Credit Management identified herself. I do not appreciate numbers coming in blocked or from a private number. This is deceptive, and a bad business practice that is unethical. I included a screenshot of the phone call.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
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: Please be fair enough. I demand your agency to remove this inaccurate report from my credit as soon as possible.
Company Response:
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been disputing this account with the credit bureaus for sometime now. Each time they would say that MIDLAND FUNDING would verify the debt. So I took it upon myself to ask MIDLAND FUNDING for validation of the debt. 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. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A