Date Received: 2021-07-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Reached out to XX/XX/XXXX to try to settle on debts that are listed on credit report, but hey claim they have NO RECORDS of any file with my name on it. They said the same thing when i called them back in XXXX of XXXX. I have tried disputing it but have been unsuccessful. All i am asking is for this to be removed from my credit report as soon as possible, especially since they aren't supposed to be placing negative items on consumer reports during covid. Thank you.
Company Response:
State: CO
Zip: 80010
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: 2021-07-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As of XXXX of XXXX, I had begun receiving harassing mail via XXXX from Midland Credit Management with threats to take this matter to court from the time that the original company had sold this debt to this company. Midland Credit Management had always intended from its ownership of the debt to take this matter to court. I called Midland atleast 3 times to settle the debt and to handle the matter. Midland never reported the debt at any occasion until after it was paid, despite what their response implies to the consumer financial protection bureau. I had been checking my credit, and I had also had credit inquiries conducted upon my account, this account under XXXX XXXX XXXX took all parties inquiring myself by surprise as it had never been reported to credit bureau agencies by Midland Credit Managment until after the debt was settled. How can Midland Credit Management report that I owe the company a debt that had already been settled after it was settled and claim that it has the authority to continue to report this spurious claim until XX/XX/XXXX, because it has a dubious policy that it claims gives it the right to falsely report this settled debt as still outstanding? Government agencies must be vigilant about this company that is inaccurately reporting false information and harming individuals ' records because it deems it has the authority to do so.
Company Response:
State: FL
Zip: 33026
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Over the last 5 days I have told them to stop calling me. They have continued to call up to 3 times a day, 7 days a week from an unlimited supply of numbers. I owe you nothing. Do not call me.
Company Response:
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Requested original documentation from Midland Funding of my signature on original creditor documents. They said they didnt have it. I asked them to provide more than a statement showing validity of debt from origination of credit line and they refused.
Company Response:
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2021-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I spoke to XXXX over the phone about a month ago. I am disputing a marathon charge account listed on my credit report. I just received a letter today stating it has been sold to a debt buyer named Midland Credit I originally asked for a copy of the contract and statements leading up to the balance from the original creditor, I do not recall opening this account. This has not been done. I would like this account removed from my credit report
Company Response:
State: MI
Zip: 48842
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They keep calling, do not introduce themselves, yell at me with horrible language. I am currently POA/guardianship for my father with XXXX. I do not have money as we are in probate court for the hijacking of his entire estate. My money is going to legal fees towards the advocation of him and XXXX XXXX XXXX.
Company Response:
State: WI
Zip: 54956
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is in reference to complaint # XXXX TO YOUR RESPONSE YOU STATED THAT NO CORRESPONDENCE WAS RECEIVED DIRECTLY FROM YOU PIOR TO THE COMPLAINT FILED THROUGH THE CFPB WHICH IS ACTUALLY INCORRECT! I HAVE THE CERTIFIED MAIL RECIPT AND TRACKING NUMBER TO PROVE IT. WHICH IS ATTACHED. DATED BACK TO XX/XX/2021!! IVE BEEN IGNORED YOU DONT HAVE ANY RIGHT BY LAW TO FURNISH ANY INFORMATION ON MY CONSUMER CREDIT REPORT WITHOUT MY PERMISSION. 15 USC 1681B YOU ARE A 3RD PARTY AND I DONT OWE YOU ANYTHING BY LAW. BY LAW YOU CAN NOT STATE THAT I OWE AN ALLEGED DEBT. 15 USC 1692B ( 2 ). YOU FURNISHED THIS INFORMATION WITHOUT VALIDATING THE ALLEGED DEBT WHICH HAS RUINED MY REPUTATION. 15 USC 1692D. I DIDNT ENTER ANY CONTRACT WITH YOU. YOUR ALSO FURNISHING DECEPTIVE FORMS 15 USC 1692J, WITH FALSE AND MISLEADING REPRESENTATIONS 15 USC 1692E ( 2 ). IN MY AFFIDAVIT OF TRUTH THAT HAS BEEN IGNORED UNTIL I PLACED THE COMPLAINT VIA THE CFBP, STATES I AM THE NATURAL PERSON AND THE ORIGINAL CREDITOR.MY CREDIT CARD WAS USED TO ENTER THE ORIGINAL TRANSACTION,15 USC 1602, THAT YOU WERE NOT PRESENT FOR. INFORMATION PROVIDED BY THE SELLER TO YOU HAS NOTHING TO DO WITH ME, THE NATURAL PERSON, THE ORIGINAL CREDITOR WHEN I REQUEST A VALIDATION OF DEBT 15 USC 1692G THE LAW ALSO STATES An affidavit unrebutted stands as Truth. Affidavit uncontested unrequited unanswered ( United States v. Kis, 658 F2d 526, 536 ( 7th Cir,1981 ) ; Cert. Denied, 50 U.S. L. W. 2169 ; S. Ct. March 22,1982 ) " Allegations in affidavit in support of motion must be considered as true in absence of counter- affidavit. '' ( Group v. Finletter, 108 F. Supp. 327 Federal case of Group v Finketter, 109 F. Supp. 327 ) An Affidavit uncontested unrebutted unanswered, Morris v. National Cash Register, 44 S.W. 2d 433 Morris v. National Cash Register, 44 S.W. 2d 433, clearly states at point # 4 that " uncontested allegations in affidavit must be accepted as true ''
Company Response:
State: NY
Zip: 11205
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I didnt know that the credit card company had put the account in collections until it showed up on my credit report. I later received a letter from Midland collections agency about the debt that they took over from XXXX XXXX XXXX of XXXX. In the debt letter it stated that the debt was from XXXX XXXX and the only option it gave was to pay the debt. The information on the account details were inaccurate because the XXXX XXXXXXXX account has been closed for over 5 years. In the letter the charge off date was XX/XX/2020. Midland credit should not have been able to start collections on the account because the account is barred by the statute of limitations for North Carolina. Midland credit also did not acknowledge in any of the letters I received from them that I could dispute the debt. I have disputed this collections account since it was put on my credit report and it has not been removed. I asked for verification of the debt and have yet to receive it. Midland credit also increased the balance owed to XXXX which caused my credit score to drop even more because of this unlawful collection.
Company Response:
State: NC
Zip: 28311
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: hi Midlandmcm ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 01760
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have had an XXXX XXXX XXXX XXXX credit card for many years. I hadnt used the card for quite some time and for that reason, I hadnt received any statements from them. In XX/XX/XXXX, I received a Pre-Legal Notification from Midland Credit Management stating that I had a balance due of {$13000.00} on a XXXX XXXX XXXX XXXX XXXX credit card and that I should contact them. I spoke with XXXX XXXX on XXXX. She told me the last time the card was used was XXXX. I told her that they werent my charges. She said she would send that info to their Fraud Department. I received a new notice from Midland in XXXX. I called and spoke with XXXX XXXX on XXXX. He told me the account had been delinquent since XXXX and was placed for collection with them on XXXX. He also told me, that for some time, the address on the account was listed at XXXX XXXX XXXXXXXX XXXX XXXX, New York. I have never lived at that address, and I have never lived in New York. He said he would report this information and I would hear something within 90 days. I received a notice from Midland in XX/XX/XXXX requesting the details of my complaint. I reiterated everything above. Again, in XX/XX/XXXX, Midland sent another notice saying they were uncertain of what I was disputing. I wrote back, stating that I was disputing the charges of {$13000.00}, as I did not incur those charges, nor did I change the address on my account to New York, and that I want to report this as fraud. I just received another notice from Midland stating that I need to provide them with a fraud affidavit, which is why I am now writing to you.
Company Response:
State: FL
Zip: 33487
Submitted Via: Web
Date Sent: 2021-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A