Date Received: 2021-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, XXXX XXXX XXXX, am submitting this on my own behalf. Midlands Funding does not have my permission to contact me or use my information. This is my final notification to this company after repeated privacy violations. Additionally, this company has been notified via mail that the debts they are attempting to collect do not belong to me. This company has enough complaints that I assume that they are habitual rights violators. Starting with 15 USC 1692, this company has sent repeated notices stating they are collecting a debt : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and I demand that this company remove this information from my credit report, delete any of my personal data and only communicate with me to confirm that this has been removed from my reports. I do not owe this company anything and this debt is UNVALIDATED. XXXX XXXX XXXX XXXX This company does not have permission to communicate with anyone using my personal information, including the credit reporting agencies, I do not owe Midlands Funding. Delete this information from my reports. I have been a victim of identity theft in the past and this company using my information is no different. Stop harassing me and stop the calls.
Company Response:
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XXXX XXXX, Midland Funding LLC entered a Lawsuit in XXXX County , Tx Cause Number XXXX Against the Respondent XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX I sent a Certified Return Receipt Letter with the U.S.P.S. to 2 different Addresses listed on the Original Petition asking for Full Debt Validation and all Account Level Documentation/Consent Order for Any and All accounts in my Name. On XXXX XXXX, A CONSENT ORDER File No XXXX was issued in a Administrative Proceeding.`Also Cause No XXXX XXXX XXXX. COMPLAINT FOR PERMANENT INJUNCTION AND OTHER RELIEF, And on XXXX a STIPULATED FINAL JUDGEMENT AND ORDER.See Attached Exhibits. Midland Funding Failed to Respond to My Written Request For all ( OALD ). ORIGINAL ACCOUNT LEVEL DOCUMENTATION/Attachment Rule, Within 30 days. On XXXX XXXX I also emailed Attorney XXXX XXXX Listed on the Petition.once Again Midland Funding Failed to respond According to the Rules set into Federal Law with the Consent Order.Midland Funding LLC has not Presented OALD to Date and is Suing Me with the Knowledge that I am XXXX with only Benefits of 100 % XXXX Veteran/VA and SSDI Benefits which is also Protected, My Home is Homestead.Midland Funding is in Violation of the above and Not Limited to the Above Mention Consent Order. XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. please remove accounts : 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 2. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2020 This is not mine. 4. Identity Theft XXXX XXXXXXXX XXXX Account XXXX : XXXX
Company Response:
State: NJ
Zip: 075XX
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
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 in regards to the incorrect items on my credit report It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
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: Information reported inaccurately to credit bustard. Unsuccessful disputes with documentation proving the following Collection accounts listed below are not mine and reported inaccurately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Funding/XXXX XXXX XXXX Bank XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have attempted to contact this collection agency on numerous of occasions asking them to verify information relating to a debt that they say I owe. I ask for validation within 15 dates of my request to only have Midland Credit to send an email saying the account has been updated but none of the information I requested has been verified. I need validation of date of service and original owner of per said debt.
Company Response:
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Today XX/XX/XXXX I received this voicemail from XXXX XXXX, Michigan ( XXXX ) XXXX : XXXX XXXX I'm calling to notify you I will be out to your residence or place of employment in the next business day you will need two valid forms of state ID and if it work I will need a supervisor present as a witness I obtain your signature if I'm unable to locate you at either location the documents will be sent back as a direct refusal a missed appearance if you have any questions pertaining to this matter before receiving these documents you can contact the plaintiff at XXXX I called the XXXX and an American male who identified himself as " XXXX '' asked if ( XXXX ) are the last 4 of my social security number. I told him yes. He explained to me that I have a delinquent amount from XXXX of {$2300.00} with XXXX XXXX XXXX. He named my city, mother, and daughter. I told him I have no such account so my identity must have been stolen. By the end of the call I accused him of trying to scam me. Afterwards, I realized the dollar amount and plaintiff he said I owed is the exact amount and plaintiff from a judgment I paid off on XX/XX/XXXX. The Certificate of Satisfied Judgment is attached. Thank you
Company Response:
State: MI
Zip: 48439
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I've been disputing fraud accounts on my credit report since XX/XX/2021. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 100 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: MCM is garnishing my wages for a debt from XXXX and charging me {$1900.00} when the original debt was at the most {$500.00}. This amount isn't on my credit report and a judge never signed the order only a XXXX city clerk. They also took my Michigan tax return in XXXX and haven't taken it off this amount but keep adding interest and refusing to work with me to get a resolution. The judgment was from XXXX and they never notified me of any court proceeding as the address they claim I was sued at I didn't reside at at that period of time. They also claim they were unable to locate me but my address has been my parents for years on documents and they've owned their house since XXXX. I have also had other jobs and they didn't attempt to garnish yet they continue to compound interest daily and now are trying to collect at XXXX percent of my earnings making it impossible to pay my regular bills as I work as a cashier. According to state law my understanding is that this violates state law especially during Covid and I would like help getting this resolved. They have several bad reviews and a pending lawsuit for this same thing and won't do a reasonable payment plan.
Company Response:
State: MI
Zip: 48071
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A