Date Received: 2021-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland funding XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX Has been sending me collection notices in the amount of XXXX dollars the collection has been reported as paste due to a balance. I do not know this company i hace never done any business with this company. The company dies not have a contract with my signature.
Company Response:
State: RI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland Group and Associates LLC first attempted to call my wife, using a blocked number. They then called me, also blocked number, regarding a debt that I have no recollection of for a large sum of money. The debt is supposedly from XXXX, a company I currently hold a card with, from 2016 ( outside of Texas statute of limitations, regardless of the fact its not mine ) Caller had multiple pieces of personal information, including my address, which he emphasized several times. He threatened to sue multiple times and declined to provide written proof of the debt, as they had already sent it. I have received nothing from this company. Call was terminated when called advised I was going to be served. I immediately called XXXX who advised they have no records of any debt owed to them or correspondence with this collection agency
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: There are many errors on THREE different accounts for Midland Credit Management. One of the accounts is past 7 years and should be taken off my report. The other two accounts have a few errors with balances and open/close dates.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have reached out to XXXX a few times to update my credit report and they are still showing open accounts that are paid in full : XXXX XXXX, MIDLAND Credit Management. I do not owe this money and have paid off my accounts in XX/XX/2021. They are still showing open. Under the advise of my attorney, XXXX XXXX, I have sent certified letters and still nothing from XXXX even acknowledging my complaint. NOW, the final step once again is to contact you for another investigation.
Company Response:
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Notice to all, I am that the consumer, in fact, natural person, original creditor, lender, executor administrator, holder in due course for any and all derivatives thereof for a surname. I XXXX XXXX who is currently of the age of majority would like to validate the information listed above is accurate and hereby would like to address several violations that have occurred between the creditor ( MIDLAND CREDIT MANAGEMENT ) and XXXX XXXX & XXXX a Non-Government reporting company. Fact, The Fair Debt Collection Practice Act was established to stop the abusive, deceptive and unfair debt collection practice by many debt collectors. Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT and XXXX XXXX & XXXX a Non-Government reporting company is currently in violation of U.S.C 1692c ( a ) in which any COMMUNICATION WITH THE CONSUMER GENERALLY-States 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. Fact, Affiant is aware and has proof in attachment labeled exhibit " A '' that MIDLAND CREDIT MANAGEMENT is currently in violation of 15 U. S. C. 1692c ( 3 ) ( b ) COMMUNICATION WITH THIRD PARTIES-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 in connection with the collection of any debt with any person other than the consumer his attorney. MIDLAND CREDIT MANAGEMENT willful violated my rights by non-compliance I the consumer demands the ceasing of communication as stated in 15 U.S.C 1692c ( 3 ) ( C ) with all parties involved and for the related information to be removed from my report. Due to MIDLAND CREDIT MANAGEMENT XXXX XXXX and XXXX have willfully violated several of my rights I am also seeking Civil liability which 15 U.S.C states any debt collectors who fail to comply with any provision of the title with respect to any person is liable to such person in an amount equal to the sum of { {$1000.00} }. Midland Has Willfully damaged my reputation by reporting this alleged debt on my consumer reports and also sending alleged debt lawsuit to an incorrect address causing neighbors to view this embarrassment.
Company Response:
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
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 CREDIT would verify the debt. So I took it upon myself to ask MIDLAND CREDIT 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/2021. 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: 77090
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I received correspondence from Midland Credit Management on XXXX, XXXX, XXXX regarding an alleged debt from XXXX XXXX XXXX. I also received a call and threat from an agent of the MCM Organization on XX/XX/2021 which I recorded for my record. He threatened to have this alleged account furnished on my credit report. I informed the agent that his threats were in violation of federal law pursuant 15 USC 1692d Harassment and Abuse. I also informed the agent that pursuant to 18 USC 8 that ALL Obligations or other security is the responsibility of the United States. Furthermore, this consumer credit falls under the Truth In Lending Act 15 USC 1602. Pursuant to 15 USC 1605 ( 1 ) the finance charge includes the sum of all charges including interest. In Conclusion there are billing errors in the correspondences that were sent to me by MCM Pursuant to 15 USC 1666 ( b ) Billing Errors. I have sent MCM a Cease and Desist, sworn Affidavit of Truth with Exhibits, and an Invoice totaling each individual action.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have spoken on the phone with this company many times in which they stated that they are trying to help me in resolving the debt so that adverse reaction would occur on my credit report and help me to avoid future legal actions
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: the following accounts appear on my credit report, without any authorization, they are hurting me Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 13. Identity Theft MIDLANDCRE Account Number : XXXX This is not mine. 14. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
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 XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this account? Please investigate properly and remove it from my personal credit file. Thank you.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A