Date Received: 2021-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XX/XX/XXXX, my mother contacted Midland Financing offering to pay off the balance owed so that it would be removed from my credit report. She spoke to XXXX XXXX at Midland, who helped her arrange to pay 75 % of the balance. At that point, they said they would mark the account as paid off and have it removed from my credit report. My mother paid the 75 % and was told that it would be removed shortly. I did not receive any notification of when this would be. I also never received any documentation that the amount was paid, which Midland said that I would. When I checked my credit report in XX/XX/XXXX for a loan, I found out that the account with Midland was still on the report. I went to Midland 's website, where they gave me another person 's entire credit information with them. I had to call to get my own correct information. When I spoke to them on the phone in XX/XX/XXXX and XX/XX/XXXX, they showed that we paid the 75 % lump payment but not that they had agreed to discharge the debt. At least one person admitted on the phone to me that my account was so old that it did not have proper notes. When I spoke to them in XXXX, Midland said that they would do a self-investigation and let me know the results within 90 days. I waited. In XX/XX/XXXX, when I still had not heard from them, I contacted them via phone again ( as the website still showed the incorrect person 's account ). Unsurprisingly, they investigated themselves and found they acted properly. They still could not find the proper files for my account ( except for the amount owed ), so they referred me to their lawyers XXXX XXXX XXXX, who will not return my phone calls. Now Midland is calling me demanding the 25 % remaining that they were supposed to mark off. I do not feel, if I paid a portion of that remaining balance to discharge the debt, that they would accurately update my account information, per their own admissions regarding record keeping. While I myself might have dropped the ball, so to say, regarding harassing them to keep my information up to date, I certainly am not the one who lost records of an entire account being paid off.
Company Response:
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a letter from Midland Credit Management stating that I owed them {$500.00}. I wrote them a letter and sent it certified mail asking for more information verifying that this is indeed my account as I do not remember signing any contracts with them or having any accounts with them. It's been 30 days and I have not received any response from them. I would like this deleted from my credit report as it is having a negative effect on my report. I have given ample time for them to verify this account and have not received a timely response. I am entitled to fair and accurate reporting according to the Fair Credit Reporting Act, 15 U.S.C. 168. I am attaching supporting documentation to support my case. thank you
Company Response:
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
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 5 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: 30064
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We paid these two debts through XXXX XXXX. Both have been settled and paid. I have faxed proof of these settlements to Midland and they have acknowledged that to me verbally. I was told they had received the information and were working on it. They keep asking for the money, then they understand my frustration, then they will check it out, then nothing until another collection call. I want this cleared up and acknowledgement from them it is corrected.
Company Response:
State: CO
Zip: 814XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
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: midland cred.mgt is without identifying the account they are collecting for is attempting to collect on an account since XX/XX/2021. before XX/XX/2021 XXXX XXXX fraud dept said I was not responsible for this account and said they instructed the big 3 and XXXX credit bureaus to remove this account from their files ... i disputed this account, providing the attached proof to XXXX and nothing was done but a false verification. and today experian will not allow dispute or upload of the information attached here. ( SEE ATTACHMENTS )
Company Response:
State: CA
Zip: 92262
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: on XX/XX/2021. Midland Funding increased my debt by {$580.00} without notice or to reach out to me. I have called previously last year and gave them my address and they have never sent anything to my correct address. now I am calling them because I saw the increase on the debt and wanted to try to work a payment plan. but they stated that they have contacted my employer to do wage garnishments without even notifying me.
Company Response:
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.
Company Response:
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: Midland Funding, LLC/XXXX XXXX XXXX, XXXX. With respect to a XXXX account in XXXX, in which fraudulent charges were made in connection to a internet hacking scheme, which XXXX XXXX investigated, and informed me I was not liable for charges made in the tune of {$3200.00}, and account was closed. Somehow closed account was included in the sale of junk debt accounts to Midland Funding, LLC, and Midland Funding, LLC hired XXXX XXXX XXXX in XXXX XXXX, LA to collect the junk debt account. Upon contact by XXXX XXXX XXXX, XXXX back in XXXX, I explained the nature of the account balance, and determination by XXXX XXXX, I didn't owe the balance due to fraudulent activity, and account was closed. I requested a cease communication from Midland Funding, LLC, as well as XXXX XXXX XXXX, XXXX in connection with the debt, I did not owe. In XXXX, XXXX XXXX XXXX, XXXX, sought a Summary Judgment on the XXXX XXXX junk debt account, in the neighborhood of {$5000.00}. The court venue used was a City of XXXX, LA small claims court, that does not have legal jurisdiction over interstate credit account matters. This is a local city court, with jurisdiction over local city laws. The judge in this city court granted Midland Funding, LLC/XXXX XXXX XXXX, XXXX a summary judgment on this case, which was typical shady Louisiana backroom politics. I refuse to pay a debt I do not owe, on a account that was reviewed by XXXX XXXX, and determined, I did not owe the fraudulent charges, regardless of the underhanded tactics used by Midland Funding, XXXX and their legal agent XXXX XXXX XXXX, XXXX. Midland Funding, LLC and XXXX XXXX XXXX, XXXX continue to use underhanded, and illegal tactics to stalk my employment, and contact my employers with garnishment letters obtained through various Sherriff 's Departments in Louisiana, such as XXXX XXXX XXXX Sherriff 's department, and XXXX XXXX sheriff 's department. Midland Funding, LLC and XXXX XXXX XXXX, XXXX are taking the XXXX, LA city court judgment, who legally had no jurisdiction over the matter, and is using political connections with outside sheriff 's departments to draft and process Garnishments that appear as a legal ruling from the XXXX district court, and XXXX district court, which is not the case. XXXX XXXX XXXX, XXXX as legal Agent for Midland Funding, LLC is using cyber stalking tactics to stalk me, as well as my current employment, even after being notified to cease and desist communication in connection with this junk debt account, which also entails stopping communication with my employers, and using these shady misrepresented Garnishments presented as rulings from Louisiana state district courts, which it is not. XXXX XXXX XXXX, XXXX is stalking my employment using XXXX credit reports, as well as XXXX " XXXX XXXX XXXX " service which gives Employer members the ability to see where applicants have applied for a job. I have placed a freeze on XXXX releasing any information on my file to 3rd parties credit report or " XXXX XXXX XXXX '' file. I would like the Federal Consumer Protection Agency, to make Midland Funding, LLC and their legal agent XXXX XXXX XXXX, XXXX to abide by Federal Law, and cease and desist communication concerning this junk debt account, which includes contacting my employers with deceptively obtained and presented Garnishment notices. I would like the Federal Consumer Protection Agency to advise Midland Funding, LLC and XXXX XXXX XXXX, XXXX to stop cyber stalking my employment. The only way, they could know my employers, is by using various underhanded means to obtain that information, because I have not disclosed my employment to them. I also do not disclose my employment on social media.
Company Response:
State: TX
Zip: 79762
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
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 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: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
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 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: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A