Date Received: 2021-09-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: on XX/XX/2021, i sent my first letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX to midland funding, llc, since then they has never responded to any of my letters, on XX/XX/2021 nor XXXXthey are in violation of the law by not responding within the 30 days time frame by law. I would like this inaccurate and unverified item deleted from my credit report
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland has updated a negative tradeline on my credit report for a past debt. They have updated it since I originally disputed this tradeline via XXXX credit reporting. Midland has the right to add a negative tradeline to my credit report, I am not disputing that. However, I am disputing that they keep updating the negative tradeline on my report countless times since XX/XX/. I did submit a dispute XX/XX/ ; however, I did not continue disputing the negative tradeline since then. What has now occurred, is my credit number has gone down into the XXXX 's when it was in the XXXX 's. I have attached a copy of a portion of my credit report reflecting Midland 's updating the balance ( which is actually never been updated ). They did this balance update in XX/XX/XXXX and XX/XX/ ( attached ). This has been happening to my credit report since XX/XX/. Multiple updates made by Midland to the negative tradeline. Midland is violating my consumer rights and not abiding by the Fair Credit Reporting Act via FTC ( Federal Trade Commission ). They may only list a negative tradeline once on my credit report, and they may update if I dispute, but it does not give them the right to update the negative tradeline several times a month since XXXX XXXX They are in violation. Please help.
Company Response:
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I just began monitoring my credit report as of XX/XX/. I received an alert on XX/XX/XXXX that a negative mark for XXXX all of a suddenly was put onto my report from midland credit management, then i immediately called to find out. I spoke with a agent and was told to file a police report due to me never owning the account and having no knowledge of it then it would be removed. Ive placed a fraud alert on my credit report.
Company Response:
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
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: Midland credit was notified of the dispute on XX/XX/2021. Ive asked for them to provide proof with the original contract which states any obligation that I have to pay them. A representative verified that the account listed on the original contract was indeed not an address that Im associated with. Instead of then responding to this matter, they increased the COLLECTION account balance XXXX {$1.00} which is ill to do it its a collection account and it doesnt belong to me.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I attempted to reach them a few times and request evidence of proprietorship yet they neglected to send me the fundamental documentation to demonstrate that I actually own this record. This doesn't have a place with me with these specialists/leasers.
Company Response:
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been sued by Midland Management Inc and since XXXX of XXXX theyve been aware that the account is fraudulent. In XX/XX/XXXX I mailed a notarized Sworn Denial. Which I also filed with the courts prior to our first court date XX/XX/XXXX. They continued the court date to find the proof of ownership I was requesting. To XXXX XXXX in between that time, I learned unequivocally through the XXXX breach that the account was fraudulent and filed an FTC fraud complaint as requested. Notified midland with a copy of that FTC report as well as the XXXX breach notification in an overnight tracked mailing XX/XX/XXXX. I arrived for court XX/XX/XXXX to which I was told by their attorney they want to work out a payment plan with me. When I notified this attorney whom was different than the last of the fraud the attorney said theyd speak to me about it. Midland continued the case to XX/XX/XXXX. I filed a XXXX complaint and have filed a complaint with the attorney general since before XXXX court date. As Midland has been sued by the TN attorney general for this very thing Im writing about. Nothing has stopped them from continuing to harass me through the courts and extending the court date every time I show up. So they can as they keep putting it to find proof I own the account. I showed up for the XX/XX/XXXX court date. Certain that with having sent a cease and desist letter in XXXX, demanding that they either furnish the original physical signed documents or stop all collections against me and I got ZERO response from midland, until I walked into the courtroom XX/XX/XXXX that it would be dismissed. Not only did I send them this letter but the attorneys office Ive had to hire due to Midlands harassment sent them a letter. To which they havent responded to my knowledge. Did Midland management dismiss NO! Theyve continued it AGAIN! Through another temporary attorney to XX/XX/XXXX! Citing THEY want 60 MORE DAYS TO PROVE ITS MY ACCOUNT!! This is bullying and outrageous! THIS IS ILLEGAL! Theyve been harassing me since XX/XX/XXXX! Thats SIX MONTHS NOW!! I filed an FTC fraud report in XXXX, placed fraud alerts on my credit and Midland continues harassing me, stressing me out and taking me from my frontline job, costing me time and money and being able to actually deal with the multiple breaches on my credit. Because Im too busy fighting them on a FRAUDULENT account that MIDLAND knows and have known is fraudulent!
Company Response:
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a call in 2018 about a debt I was supposed to have. I told them this is not mine. Please provide documentation on this debt. I got a few papers from the original company who,, I assume held the debt. I spoke to them a few months later telling them I did not get anything stating I owed them money. They put numerous bad marks on my credit. They told me they would continue until I paid it. I again called them just today,, they told me to file a police report on something from back 4 years ago. And also told me today they will continue to post it on my credit report. Which will not allow me to buy a home or a car. I just want it off my report. I did not have this credit card or account.
Company Response:
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This number keeps calling about a family member that does not even live with me. After repeatedly telling them they do not live with me, they continue to call and call all of my other relatives. It is predatory and must stop!!! They are calling on some made up charge for the wrong person even.
Company Response:
State: IN
Zip: 47715
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/2021 I received an offer in the form of a letter from Midland Credit Management indicating that the collections on my debt would be taken out of collections if I would contact them and make payment arrangements. On XX/XX/2021 I contacted Midland Credit and attempted to resolve my collections issues thru the offer I was sent in the mail by Midland credit. When I spoke with the representative from Midland Credit Management and indicated that I was ready to resolve the issue of debt collection with the understanding that as stated in the letter I received in XX/XX/2021 that the collections would be removed from my credit report as payment arrangement were made. I was told that they would not remove the debt collection off my credit report until payment was made in full. I stated to the representative that the letter clearly indicated that the collections would be removed while payments were being made as stated in the letter received on XX/XX/2021. The representative then became rude and aggressive when I pointed out the fact that the letter offer clearly said that the collections would be removed. Now I getting phone calls before XXXX and after XXXX and have received letters threatening me with lawsuits.
Company Response:
State: MS
Zip: 39401
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
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: I was recently informed that I was victim of XXXX data breach being a former customer I did not open this account and need it removed from my credit file ASAP. I do not own this account nor did I ever open it or had any idea it existed on my file until I checked it recently and being a victim of XXXX data breach I can deduce someone was able to use my information to open this account and thus I need it removed from credit file, as it is affecting the growth of my credit and I should not be responsible for someone else 's account.
Company Response:
State: FL
Zip: 33604
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A