Date Received: 2021-06-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
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. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Are you the original creditor? Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
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: I have asked for debt validation from Midland Funding for Debt Validations since xx/xx/xxx to present. I have attached my last 2 communications requesting the same information also from Experian in addition to other proof of claims that have yet to be answered thoroughly. Neither have provided through information and I have certified mail receipts request with failure to follow through and return my receipt required tracking. Midland Funding has not send me the following information I requested : alleged account number,, date this alleged debt became payable, date of original charge or delinquency, was this debt assigned to a debt collector or purchased, amount paid if debt was purchased, commission for debt if collection efforts are successful. My request for the agreement between Midland Funding and their client, signed agreement debtor has made with the debt collector or other verifiable proof Debtor has a contractual obligation to pay Debt Collector, any agreement that bears the signature of the Debtor where in agreed to pay Creditor, all statements and so on. ( request attached ). Notice that the consumer had 30 days and my previous request of 10 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and Notice that if, within the 30-day and previous request of 10 day period, the consumer makes a written request for the name and address of the original creditor, if it is different from the current creditor, the debt collector will provide that information. They have not compiled with request per Validation of Debts 15 U.S.C. 1692g. Section 609 was also violated. I am entitled per 15 USC 1692k Monetary remedies of every violation listed within my complaint. Negative account must be removed and collection must cease per violations. Previous communication via phone with Midland Funding violated section 15 USC 1962 C & D after informing them to stop harassing me, violation 15 USC 1692 f by practicing unfair practice, violation 15 USC 1681 by reporting incorrect information. In addition to this Midland Fund is what is reporting on my credit report but Midland Credit Management is who is responding with partial request.
Company Response:
State: CA
Zip: 90249
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: This is now our XXXX complaint against Midland Credit Management. The prior details can be seen in complaints XXXX ( XX/XX/XXXX ), XXXX XXXX XX/XX/XXXX XXXX, XXXX ( XX/XX/XXXX ) We have attempted to resolve the debt with the company. However, we constantly get bounced from department and department. Are told conflicting and contradictory information. Told we would be called back, and would not be. Upon learning of the CFPB lawsuit and settlement with Midland Credit Management, and feel we may in fact be covered under this case. We are unsure if we have ever received the complete and full documentation on my wife 's case. However, my wife was never served in this matter. The proof of service they have is for one XXXX XXXX, who she does not know nor did not reside with. We have informed Midland about this multiple times. A simple address look up will inform them that no XXXX XXXX resided at the residence on the service. Despite their fraudulent statements and filing knowingly false information with the court we are willing to negotiate based off the original amount of the debt. Midland 's failure to notify and give proper service is their fault not ours. She was never notified of the case until XXXX, and never had a means or chance to provide a defense due to their negligence.
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a certified debt validation letter on XX/XX/2021 and have not received any information back. I would like this removed / deleted from my credit report.
Company Response:
State: NJ
Zip: 08087
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a certified debt validation letter on XX/XX/2021 and have not received any information back. I would like this removed / deleted from my credit report.
Company Response:
State: NJ
Zip: 08087
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response:
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: In the past I disputed a collection attempt with Midland Credit Management through the consumer reporting agencies now as of this year 2021 I have been getting court documents for a debt legally Midland doesn't have any rights to.
Company Response:
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX I paid the full amount of XXXX. In XXXX my balance decreased to XXXX. I called the company to say I paid them in full in XXXX which they agreed. They have told me numerous times to call back, or it will be off in another 30 days. I have called every month since XXXX. I am furious. Then I disputed it thru XXXX they verified the account and that I still owed XXXX. Which is completely in accurate I called the company today to be told call tomorrow.
Company Response:
State: WA
Zip: 98201
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/XXXX I reached out to Midland Credit Management regarding a debt they placed on my credit report via their website, to receive more information regarding this debt. Today I called them since I have not heard back from them and they refused to send me any written documentation regarding this alleged account. I was told by the customer service rep it was mandatory to give the last 4 of my social, when I stated all I wanted was written documentation and confirmed my mailing address and was willing to confirm my previous address as well. She refused to send me any written documentation. When I asked to speak to a supervisor I was told I needed to hang up and call back after being placed on hold for over 20 minutes. I have never received a phone call nor written documentation from this company so I am unaware of this alleged account that's associated with my XXXX account that was closed to suspicious illegal activity. I have not used my XXXX account since XX/XX/XXXX. I have never heard from this company so I do not have an account number and my XXXX account has since been closed.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A