Date Received: 2021-07-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Funding # XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification. Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. Please all request listed of you will be in violation of the FCRA.
Company Response:
State: OH
Zip: 44112
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management original account number XXXX MCM account number XXXX is trying to collect on this account which i dont recall. i request a validation letter proving that the account is mine. I am retired and on ssi so my income is federally protected.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: RE : XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : Flagged for Collections MIDLAND CREDIT MANAGEM Account XXXX Information on this item has been updated. Please review your report for the details. Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose MIDLAND CREDIT MANAGEMEN Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment ; Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. XXXX XXXX and XXXX everyday don't verify information, ignore laws and debt buyers like, Midland Credit Management flag account as collections, drops my score by 2 points, uses robo callers to harass me, and threatens retaliation. XXXX is dropping my credit score, every single day, not even 4 hours after I dispute something or add a personal statement, since Covid-19 pandemic started, causing for companies like XXXX not approve loans for my small business. Creditors, Credit Collectors, Credit Buyers, and Credit Bureaus are abusing Fair Debt Collections on a daily basis. My credit score dropped over 300 points, and continues to do so. All of the above ignored the Covid-19 Consumer Protection Act, harassing frontline healthcare workers such as myself, calling during working hours, saying that there's no way to add your times of work and they can call you any time any day even if you are a healthcare worker. The pandemic does not matter
Company Response:
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Everyday, Midland Credit Management flags my account as collections and threatens a lawyer, I get repeat robo calls from them daily. XXXX is dropping my credit score every single day since Covid-19 pandemic started, causing for companies like SBA not approve loans for my small business. Creditors, Credit Collectors, Credit Buyers, and Credit Bureaus are abusing Fair Debt Collections on a daily basis. My credit score dropped over 300 points, and continues to do so. All of the above ignored the Covid-19 Consumer Protection Act, harassing frontline healthcare workers such as myself, calling during working hours, saying that there's no way to add your times of work and they can call you any time any day even if you are a healthcare worker. The pandemic does not matter. MIDLAND CREDIT MANAGEM has flagged your account as Collections on XX/XX/2021. Source : XXXX Company : MIDLAND CREDIT MANAGEM Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX XXXX Collections ) Balance Date : XX/XX/2021 Balance : {$1300.00}
Company Response:
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2021 I received a email notification of my credit score dropping and I noticed this account for {$1900.00} was on my account.
Company Response:
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2021-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice from a debt collector dated XX/XX/2021 from Midland Credit Management attempting to collect a alleged debt. I sent a notarized letter dated XX/XX/2021 disputing the debt pursuant to 15 USC 1692g ( b ) which states the debt collector shall cease collection of the debt while it is being disputed until the debt collector obtains verification. On the XX/XX/2021, Midland Credit Management violated my consumer rights by reporting the account in dispute, to the 3 major credit reporting agencies XXXX XXXX and XXXX Also this account was previously deleted already through a dispute process.
Company Response:
State: NY
Zip: 14225
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XXXX XXXX this company reported to the credit bureaus I owe two amounts. XXXX and XXXX I have never done business with this company and do not know who they are I dont now owe them anything.
Company Response:
State: CA
Zip: 93705
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Midland funding continues to attempt to collect a debt for an account I never opened. The account is originally with XXXX XXXX per my credit report however, no further information has been furnished to figure out who opened this account in my name. I have disputed with the credit bureau and submitted a police report. I have recently filed a report with FTC because I am getting no responses from Midland Funding regarding this fraudulent account.
Company Response:
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2021-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A