Date Received: 2021-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, XXXX, and XXXX aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I decided to look at my credit reports from the 3 major credit bureaus and found that this MIDLAND FUND was reporting to be negative on XXXX and XXXX. I have disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Today is XX/XX/XXXX and I am responding to communication from Midland Credit Management XXXX XXXX. Per response from this company, she stated that a notice was sent to me on XX/XX/XXXX to my address but attached a letter that was not from Midland. Please provide me with proof of this letter that was sent that I NEVER received. Please be advised I have requested validation { not verification } of an item reported to you by the above original XXXX XXXX, I have received a response that does not indicate or prove I approved this credit transaction with my social and ID. I was provided billing statement. Anyone can furnish billing statements. Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. I am proceeding with legal action as prescribed by law against Midland Credit Management Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureaus responsible for reporting this violation.I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. Sincerely
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This communication is a follow-up in regards to closed complaint XXXX Midland Credit Management, Inc.is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. Midland Credit Management , Inc. responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Midland Credit Management XXXX Inc., NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Midland Credit Management , Inc., LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Company Response:
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2021-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Midland Credit Management had been deliberately and with malicious attacks against me and my credit report. This is the second filing against them on the past two weeks. They still haven't stopped their first set.of offenses but now they have retaliated and committed privacy invasion and reported a new address to XXXX that has my address in North Carolina! I live in Texas and never lived nor been in North Carolina ever. Midland Credit Management knows all too well my correct address but since my first reporting to CFPB and XXXX they have demonstrated more havoc. I am asking that CFPB please escalate this matter on my behalf as this company has already committed acts.against me legally and federally by exposing my credit and personal information to the wrong address as well as invasion of my privacy with the privacy act laws and also harassment and discrimination as well as ADA compliance of the Americans with Disabilities Act. This company needs to be stopped now. This is getting out of hand.
Company Response:
State: TX
Zip: 766XX
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute with XXXX XXXX and XXXX in regards to the incorrect items on my credit report. It has been well over 30 days and I have not recieved any investigation results. This is the second time I have had this issue with XXXX.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: MIDLAND FUNDING has continued to harass me for weeks even after I have told them to stop contacting me. In accordance with 15 U.S. Code 1692c - Communication in connection with debt collection they are not supposed to contact me without my prior consent which I have not given them, they are currently in violation of this statute. They also continue to contact me at unusual time and places such as this week when I was attending a funeral. This is also still violating 15 usc 1692c. When they call me they instantly tell me that I owe them a debt which is not paid for, and communicated with me more than once after i requested that they not contact me anymore. This is a violation of 15 U.S. Code 1692b ( 2 ) which states that a debt collector may not state that such consumer owes any debt.
Company Response:
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-24
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: Had my wage garnishment for midland financial. Last payment was in XX/XX/2021. Credit bureau and midland.. wont take off the amount and label it was paid.. I also have the receipt. Credit bureau website will not let me load it
Company Response:
State: OH
Zip: 44060
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: On XX/XX/2021 I received a summons to appear in court for an alleged credit card debt from Midland Credit Management. I was later visited by the city police XX/XX/2021 regarding the original summons I received on XX/XX/2021 from Attorney XXXX XXXX, XXXX. From my understanding of consumer law, according to 15 USC 1692 ( e ) this section is titled false or misleading representation, Midland Credit Management is in violation of my consumer rights and I want to compensated for the damages which I am entitled to according to 15 USC 1692 ( k ). A law firm can not attempt to collect a debt on be half of the creditor. That's illegal because the states that law firms can not act as debt collectors. I sent a certified noticed to Midland Credit Management on XX/XX/2021 demanding them to cease and desist as well as an invoice for the violation. There are other violations that Midland Credit Management has conducted such as 15 USC 1692 ( i ) in which congress makes it clear that bringing legal action by debt collector is unauthorized and 15 USC 1692a ( 6 ) ( A ) ( C ) ( D ) ( 6 ). 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. The term does not include - ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt. I will be invoicing Midland Credit Management for the additional violations conducted against me and sending it certified within 5 business days. Additionally, I do not owe this debt because there is no contract stating that this credit was extended to me by this debt collector. I also demand that this be removed from my consumer reports because I did not give permission to report anything on my consumer report ; it is unauthorized.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-23
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: In 2016 it says I got a XXXX XXXX credit card In my name, It was for XXXX XXXX they are saying I did it but I never put any kind of card on my name before. I would like to report it as fraud XXXX XXXX and XXXX XXXX had access to my social Security card number while I was living with them at the time I had no idea I didnt have to give them that while living with them. And next thing I know I was getting letters in the mail as soon as I moved out of there house about XXXX XXXX but I never even been on there website. Im pretty sure they put my name on their consumers bill or I think it was charter I would like to get it investigated because I do not want none of this on my credit it would be nice to figure this all out those two people are the only ones That had access to my Social Security number
Company Response:
State: MI
Zip: 48706
Submitted Via: Web
Date Sent: 2021-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland credit has 2 accounts for me XXXX XXXX one account number is XXXX with the amount of XXXX and the other account numer is XXXX with the amount of like XXXX both of these accounts are from the same company which the correct amount is XXXX we paid the XXXX but midland credit is still charging us an extra XXXX for account XXXX.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A