Date Received: 2021-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Company Response:
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off a collection that went to an attorney on XX/XX/2021. Original debt was XXXX XXXX, then midland funding LLC. After several disputes with credit report, midland funding is still reporting it as unpaid. I've spoke to midland funding XX/XX/2021 and they know it's been paid. Still they're not reprint it as paid.
Company Response:
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I filed a complaint with CFPB against Midland Credit Management on XX/XX/XXXX. Even though they responded through CFPB on XX/XX/XXXX with an explanatory letter and copies of statements, they failed to include copies of documents they claim to have mailed to me on XX/XX/XXXX ( " validation letter '' ) and XX/XX/XXXX ( " dispute response letter and a copy of the verification information provided by the seller '' ). Had they actually mailed the missing documents, they would have provided copies as proof. I have not received mail from Midland Credit Management on or about those dates or any other date. In violation of the FDCPA, the debt collector added information to my credit reports without mailing me anything. And, Midland Credit Management failed to address the XX/XX/XXXX unsolicited email ( attached ) from XXXX, falsely stating, " Although this communication is from a debt collector, this is not an attempt to collect a debt. '' ( bold in original ) If it's not an attempt to collect a debt, then what is it? The email continues, " Need assistance? Were here to help. Call ( XXXX XXXX XXXX between the hours of : XXXXXXXX XXXX XXXX XXXX XXXX. PT. Sunday - Thursday, and XXXXXXXX XXXX XXXX XXXX XXXX PT. Friday - Saturday '' Clearly, the communication is an attempt to collect an alleged debt even though it claims it is not an attempt to collect a debt, which violates the FDCPA, right?
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In XX/XX/2021 I was summoned to court because of a debt that was said to be mine, I denied the debt while in court, and stated that I wanted to see if we could come to a settlement. A letter was sent to me with the stipulations of the settlement, and I have been paying the settlement every month, but I couldn't sign something that I didn't agree with. After speaking to my attorney, I was told that I can fight this. So on XX/XX/2021 I sent a letter to Midland Credit Management sighting all of the laws under the FCRA that have been violated. I have attached the letter to this complaint. But in short, this is what I am demanding : According to 15 USC 1692i ( b ) Authorization of actions - Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Further 15 USC 1692c ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY - 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. 15 USC 1681n ( a ) IN GENERAL - Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. At this time, I am demanding that this case be closed, this be removed from my credit report and actual damages be paid out as a settlement to my in the amount {$2400.00}. This includes the ( 2 ) two listed violations that your company has committed and the ( 5 ) payments of {$98.00} ( totaling {$490.00} ) have been paid to your company as of XX/XX/2021. Please send the settlement letter with the details that I have included in this letter, to the above address I have provided ; I am expecting to have this matter taken care of within the next 30 days.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I found out from the credit reporting bureaus XXXX XXXX and XXXX that there was a negative account under " Midland Funding, LLC under account number xxxxxxxxxxXXXX. Midland Funding, LLC has failed to provide any legal validation or a letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Midland Funding, LLC has failed to provide the information requested. Midland Funding, LLC is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue isn't resolved immediately. Midland Funding, LLC has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Midland Funding, LLC has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Midland Funding, LLC currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Midland Funding, LLC possesses adequate documentation to collect this alleged debt. Until the above referenced documentation is provided, the undersigned 's position is that this debt does not exist and a reporting error has occurred. Finally, unless this documentation can be provided, Midland Funding, LLC shall immediately remove this account from all three ( 3 ) credit reports and shall be subject to any and all costs, including attorneys fees, should I pursue this matter further.
Company Response:
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Company Response:
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021 I settled with the Debt Collector Midland Credit Management On XXXX XXXX and XXXX XXXX credit cards. I was not informed of my right under the fair credit act that I had the right to dispute the validity of the debts own. My rights were violated and I was tricked out of my money. I agreed to pay for deletion of the tradelines with the companies and they are still reporting on all 3 credit bureau. Midland Credit Management has violated several laws including 18 U.S.C. 1342 and 15 U.S.C. 1692b ( 5 ). XX/XX/2021- {$1300.00} XX/XX/2021- {$520.00}
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A