Date Received: 2021-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I submitted Disputes to XXXX on XX/XX/2020 and XX/XX/2020 in regards to Midland Funding on my report as not being mine. XXXX said Midland verified debt was mine. I in turn wrote letter to Midland Funding asking for verification of debt. The bill sent from Midland Funding was for another person with my same name but different middle initial and different address. I responded to Midland and let them know although the debt was for this person with a similar name that person is not me nor have I ever resided at the address on the bill for collection. I asked Midland for the original credit agreement with signature of person from whom they are trying to collect debt. Midland did not provide me with this information instead they just sent me a copy of the bill again and asked why I was disputing. I had already told them specifically why I was disputing. I also don't understand how XXXX can accept a verification that the debt is mine when I'm sure the person with my same name doesn't have my same SS #. So XXXX couldn't have asked Midland to verify my SS # nor address that I've had for over 10yrs now. I disputed this same Midland Funding debt with XXXX and the debt was removed from my report. I have not been able to see my report from XXXX as of yet .I request a hard copy of my report from XXXX XX/XX/2020 and never received it. I am current trying to contact XXXX customer support to figure out why XXXX can't verify my identity in order for me to obtain a digital report from them and why I have not received a hard copy of my report from XXXX
Company Response:
State: NJ
Zip: 08109
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? XXXX. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received a Summons/Complaint from Midland Credit Management dated XX/XX/XXXX. Received no prior documentation/never heard of this company prior to getting this so was not able to properly verify/validate the debt. There was also no supporting XXXX documentation attached to this summons/complaint proving their ownership and accurate balance, so was unable to properly decide what to do. Summons says {$1600.00}. Since there was no previous communication from Midland, went and pulled credit reports and found discrepancies reported on the balance due/past due balance and also dates of last active between the 3 bureaus, as well as the original creditor still being listed as the owner of the account, all of which are currently in dispute with the bureaus. Submitted a generic answer to the complaint XXXX XX/XX/XXXX XXXX stating there was not enough information to either admit or deny their claims, and included counterclaims for FCRA/FDCPA violations. On XX/XX/XXXX XXXX XXXX XXXX XXXX law firm suing ) then sent only 12 months of statements from XX/XX/XXXX to XX/XX/XXXX when they state the account was opened in XXXX XXXX many were duplicates XXXX. The information on these statements directly contradicts the information being reported on the credit reports. Then sent letter back to them on XX/XX/XXXX telling them this partial list of statements was insufficient to prove their claims and asked how they were able to properly verify this information with so little documentation prior to suing? Also mentioned their responsibilities per the XXXX CFPB consent order and subsequent lawsuit in XXXX XXXX due to these business practices, and demanded that they dismiss their lawsuit since they still up until the date of this complaint have yet to file anything with the court. Then XXXX XXXX sent another letter on XX/XX/XXXX with a " settlement offer '' still without providing the required XXXX documents that were requested. Refuse to even consider/discuss settlement until this documentation is provided. On XX/XX/XXXX received a " discovery plan '' that is due within 14 days, still with nothing filed with the court. Received an answer to counterclaims on XX/XX/XXXX denying all of the counterclaims. This law firm XXXX and Midland are continuing to harass/intimidate and litigate this outside of the court room. Even though the written disclosures were not provided stating they will provide this XXXX documentation within 30 days, have requested this information multiple times from law firm XXXX and they continue to disregard this important request for documentation. Law firm XXXX are also aware that this is clearly in dispute with both Midland and the bureaus, and continue to disregard this information as well, and are continuing with a " lawsuit '' and collection efforts.
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a U.P.S. envelope dated XXXX was addressed to my current address. The letter inside had different address, and stated that my credit card account, wrong acct #, with a balance of {$360000.00} was acquired by Midland credit management on XXXX. Prior to receiving this statement, we were called on numerous occasions at all times of the day and night regarding this bill. We had told them that it was NOT my bill!!! I called XXXX and XXXX XXXX as to the status of my account, and was told I had a zero balance and do not pay any money to Midland! After receiving the letter, I called XXXX XXXX and they cancelled my Account and issued me a new account It is now XX/XX/2021 and this issue still remains. I have disputed this bill with XXXX XXXX on XX/XX/2021 and is still in process.Est completion date is XXXX XXXX I am still rec. calls from Midland, telling me to file police reports fed trade reports and give them numbers. THIS is all a mistake, the original address was wrong, the credit account number was wrong!!!!! The only thing that was rifgt was my name!!!! Since midland has been involved my credit score has been lowered m bank has frozen my equity loan and I am constantly harrased with phone calls from midland!!!!
Company Response:
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I have disputed this account on several different occasions in XX/XX/2021 and XX/XX/2021 with Midland Funding LLC. They did not contact me before placing the account on my credit report. They failed to respond to my dispute, and after carefully examining collection practices in the State of Texas, I found Midland Funding LLC does not have a bond or license to engage in debt collections in my state ( Texas ). After sending a certified letter with receipt return, Midland did not respond to the dispute. The letter contained the dispute and included a screenshot of them not being authorized to be a third party collector in Texas. I also, sent the exact same letter to each credit reporting agency XXXX XXXX, XXXX, and XXXX XXXX requesting them to delete the account with attached screenshot from the Secretary of State in Texas. Both XXXX and XXXX failed to respond. XXXX responded saying they received verification from Midland Funding that this account is correct. That was not my dispute. I requested to have the account deleted as Midland Funding LLC is in violation of Texas debt collection statutes. I'm wondering how is it that Midland can provide verification to the credit reporting agencies and willfully ignore my request to delete the account. I have given them several chances to correct their error and they have neglected to do so. Both Midland Funding LLC and the credit reporting agencies continue to violate my consumer rights, so I'm filling a complaint in an effort to get my request resolved.
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: ON XX/XX/2021 Midland Credit Management add a derogatory mark on my credit report per XXXX XXXX. upon, further research, this account was transferred/sold and i am no longer responsible for this account, Debtors creditors did not verify this collection. Also, there was No written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Midlands Credit Management has violated my rights as a consumer and i'm requesting legal action to remove this account immediately.
Company Response:
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: First midland reported on my credit report without ever contacting me via any formal written communication. Second Midland has not provided me with a validated debt as allowed to the debtor under 15 USC 1692 ( G ) SECTUIN 809B.XXXXXXXX hasnt yet to provide a valid basis for the debt, such as the original contract/agreement/promissory note between me and the original creditor bearing my wet-ink signature. Midland needs to provide me with the original credit claims that this debt became due and when it became delinquent. Midland has not provided me with a copy of my last billing statement sent to me by the original creditor. Midland has yet to supply a verified sworn to by affidavit copy of the contract your firm has with the original creditor, authoring them to engage in collection activating against the above alleged account. Midland hasnt provided me with certificate of authority and or proof that its able to collect in Florida. I would need a ledger statement showing the full accounting of the alleged obligation theyre attempting to collect.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX and I am a case XXXX for the XXXX for XXXX and XXXX XXXX in the state of Kentucky. I am XXXX XXXX 's case XXXX. XXXX is child who is a ward of the state of KY. She has debt on her credit report for {$590.00} that is owed to Midland Funding XXXX This is incorrect as she is a minor and does not have any legal financial obligations.
Company Response:
State: KY
Zip: 42240
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
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 Debt collectors reported 120 day late status on credit reports. Sent many letters to try and have this fixed. Did not fix the issue.
Company Response:
State: TX
Zip: 77642
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I used to have an account with XXXX XXXX XXXX and my account was closed in XX/XX/2020 and the amount was XXXX. They sell my debit to q company called midland and this company its playing with my credit after I filled a disputed in XXXX and XXXX XXXX After any disputed they include a extra dollar in my debts they are trying charge my XXXX $ and they put my closed account was XX/XX/2020! I ask than to put the right information but they laughed!
Company Response:
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A