Date Received: 2021-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my credit report, I noticed Midland Credit Management was reporting on an alleged debt. I contacted Midland Credit Management on XX/XX/2021 with a Debt Validation Letter and requested for evidence that I had any legal obligation to pay them. They responded with insufficient evidence as well as violated my federally protected consumer rights. I have never consented to contract with Midland Credit Management nor gave them permission to breach my privacy. They have a total of 8 violations pursuant to 15 USC 1692. I am aware that I am the natural consumer and original creditor.
Company Response:
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am retired XXXX XXXX and always but Honor, Respect, and Loyalty first. I did not think much of anything when I was receiving letters in the mail about a debt. When I looked into it I discovered the it was a debt that XXXX sold to Midland. I had taken a loan with XXXX in XXXX and have proof it had been paid off. I sent a copy to Midland Credit Credit Management and there response was it is a loan that was taken out in XXXX. I did not understand because my loan was XX/XX/XXXX and I received an original copy paid. Despite my plea they did not care. In XXXX they sent an order through XXXX XXXX and tried to garnish, but to no avail. After I asked for a promissory note, something with my signature Midland could not, so they cause of action and moves Court to dismiss the case from my bank. But, what I did not know it was hanging out in the cloud somewhere. I sold my house and now it showed up again and the Title company is only following their protocol and held back some money. They informed to to write to CFPB to get help and have this company to stop harassing me. Once again, Midland Credit Management has not responded to proof of loan and have giving me the run around. I even had the Title company agent represent me and asked for information, but to no avail. The Title company agent tried calling several times like I did, but was given the run around. This debt does not show up on my credit. I've been able to refinance my home through HARP and by vehicles and get other loans with no problem. This has been a thorn in my side. I need Help.
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2021-07-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
Company Response:
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021 midland credit management email me regarding a debt i do not owe with XXXX XXXX XXXX : nor have knowledge of. I have attempted to resolve this debt
Company Response:
State: SC
Zip: 29650
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: A credit card debt I had went to collections XX/XX/XXXX and the amount of {$3400.00}. I never received notification of the original court date. This judgment never showed up on my credit report and I have finance automobiles applied and received more credit cards. On XX/XX/XXXX the balance is {$8800.00}. Midland funding LLC turn the account over to a law firm in XXXX Florida XXXX, XXXX, XXXX XXXX. In XX/XX/XXXX I received my paycheck and it was {$420.00} short and my pay stub said debt reduction. I contacted my employer state of Florida and was informed that they were served with papers for garnishment. The state had to file back and is deducting my wages {$420.00} every 2 weeks. I had no notification I would be garnished or that Midland funding LLC would pursue this after 14 years. I'm XXXX woman single income and can not think about retirement because of this debt. {$900.00} taking out of anyone 's check monthly is catastrophic. I contacted the state of Florida and they were unable to give me any legal advice, I did contact the law firm XXXX XXXX and XXXX who told me there was nothing they could or would do. I explained the devastating hardship and I feel that this has been deceptive practice and taking advantage of a senior citizen. The case number filed in XXXX county Florida court is XXXX XXXX.
Company Response:
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt was open fraudulent this debt is now sold again for the third time i dnt owe this debt i do not have a contract with midland credit management please remove from my credit report
Company Response:
State: MI
Zip: 48021
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2019 This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX Account Number : XXXX This is not mine. 4. Identity Theft XXXX Account Number : XXXX This is not mine. 5. Identity Theft Account Number : XXXX This is not mine. 6. Identity Theft XXXX Account Number : XXXX This is not mine. 7. Identity Theft XXXX Account Number : XXXX This is not mine. 8. Identity Theft XXXX Account Number : XXXX This is not mine. 9. Identity Theft XXXX Account Number : XXXX This is not mine.
Company Response:
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt withXXXX XXXX XXXX and I do not have a contract with MIDLAND FUND plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$840.00}
Company Response:
State: FL
Zip: 32803
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute regarding the incorrect items on my credit report it has been over 30 days and I havent received any results of the investigation
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2021-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An account was fraudulently opened under my name with a company called XXXX XXXX. I disputed the item and got it deleted ( see attached ) but XXXX still reported it and has debt collectors harassing me. If the debt was deleted due to a dispute, no debt collector has the right to stamp my credit report with bogus information. I ask you to please defend my rights.
Company Response:
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A