Date Received: 2021-08-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The collection company has add this collection account to my credit report 5 times. Each week they add a dollar to the balance and add it as a new collection and I have no knowledge of this account. Fraudulent activity is occurring with this company.
Company Response:
State: FL
Zip: 32257
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Funding LLC has been sending me collection notices in the amount of XXXX . 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: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, 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 ( FCRA ). 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 ) 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!!! Midland Credit Management Inc violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had misplaced all of my information during Hurricane Sandy and I was homeless for 3 years. last year I had XXXX XXXX and I was in a XXXX and XXXX for 2 months. When I returned to my home, I started receiving these letters from collection companies and upon further investigation I realized that these accounts were never opened by me. I contacted the various collection agencies on XX/XX/XXXX and again on XX/XX/XXXX. I have not received responses from many of the agencies that I contacted and as a result, none of the issues have been resolved. I have a child who has started college last year, and this has seriously affected my ability to obtain financial assistance for him to further his education.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been a victim of identity theft. I have had someone use my identity with different names, addresses and information. I need this to be investigated and fixed immediately. name and addresses wrong XXXX XXXX
Company Response:
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This Collection must be error as reported in my XXXX Credit Bureau. Please provide me with the Validation of Debt and stop reporting it without VOD. Under the FCRA, I request an investigation on the responsibility and the amount of this collection. Please discard this collection for FCRA violations because I do not think it is 100 % accurate.
Company Response:
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: They sent me the notice on XX/XX/2021. For the amount of {$1200.00} plus cost of Im not sure what which is {$1300.00}. States we will garnish your wages and also have me incarcerated if I do not reply in 14 days. The information they have is incorrect and I do not currently work and they have an employer that I never worked for.
Company Response:
State: PA
Zip: 18974
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This another account from the same company that has been sending an overwhelming amount of letters for a debt I have no knowledge of. I spoke with several representatives prior in relation to my information being breached through XXXX around this time. I also have identity thefts instances around this year when this account was opened. I have paid several credit repair agencies to remove this erroneous account from my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been receiving an overwhelming amount of letters and calls from this company for a debt I have no knowledge of. I spoke with several representatives prior in relation to my information being breached through XXXX around this time. I also have identity thefts instances around this year when this account was opened. I have paid several credit repair agencies to remove this erroneous account from my credit report.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2021 - I was informed by XXXX XXXX XXXX my personal residence ( XXXX XXXX XXXX XXXX, XXXX XXXX, Ok XXXX ) had a judgement placed from Midland Credit Management. The name on the judgement was XXXX XXXX XXXX. I contacted Midland Credit as I had never received anything related to such a judgement or received any phone calls. I have been at this residence for 15 yrs. When I provided case # XXXX and my social security number they stated they had no account for me. I asked how to have this issue resolved they said its not there problem and they can not help me. Midland Credit Management failed to provided me a validation of debt letter at the address they filed the lien on. Midland Credit failed to contact me prior to obtaining the judgment or lien on the property. XXXX XXXX per public records in XXXX County, Oklahoma shows the case number that was filed against a XXXX XXXX XXXX, however, that account number is not associated with me and the address they associate this XXXX XXXX XXXX is at XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX. This is also the address in which this individual was served notice. Midland Credit knowingly or should have known the XXXX XXXX XXXX XXXX, XXXX XXXX, OK address was not associated with their debtor. Midland Credit knowingly failed to take my dispute of the legal filing against my property seriously or perform any research. Midland Credit has been deceptive in filing a lien on property they knew or should have known was not associated with their debtor.
Company Response:
State: OK
Zip: 74012
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A