Date Received: 2021-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i have looked on all my credit reports an do not show an account for which midland credit management is trying to charge me for over XXXX dfollars. i have called trying to speak to a manager an get the run around or get told the manager doesnt wan na speak to you an to call later. was also told to bad it has the last of your social your gon na pay it. looked when i was thinking of buying a house to pay just to get it removed off my credit but after speaking with my lender an him an i both not seeing such a card on my credit we decided not to an to try an have it removed. midland credit management does not care just says i need to pay an i can not speak with a manager. if needed i will supply you with my credit reports showing i have never had a open, closed, an or even charged off account on my credit other then midland funding trying to impose there will to wrongfully collect from me
Company Response:
State: TX
Zip: 79705
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: MIDLAND CREDIT MANAGEM # XXXX I'm unaware of this debt and did not have the opportunity to dispute this debt as no information was sent to me. In addition, please send the following : Assignment of Debt Method of Verification of Debt Validation of Debt Also, provide Certified Mail Receipt if you believe notification was provide.
Company Response:
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have repeatedly advised Midland Credit Management this debt is not mine. They have listed incorrect information on all three of my credit file. They are currently sending me letters threatening to sue me.
Company Response:
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2021-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: They contacted me and identified the debt amounting to {$310.00} and I never received information to verify and validate the debt.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Midland Credit has reported on my credit, violated do not call notices which have been faxed and mailed. I have requested and never received anything in writing to validate this debt to include full accounting of balances, payments and authorization to collect. I have sent letters certified mail to no avail. I have contacted the company, disputed with the collection reporting agencies and received nothing back except a note on my credit report stated validated within in FDCPA. Why has no contact been made as requested. My do not contact was specific to phone calls as the calls were incessant even after my letters and faxes.
Company Response:
State: VA
Zip: 23231
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Reach out to Midland credit management about a report they put on my credit report ask them to send me a copy of the debt owed they said they dont have it I ask them to remove it from all three credit reports
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I reached out to Midland Funding/ Midland Credit Management on multiple attempts to validation this alleged debt. The initial contact was XX/XX/2020 disputing this alleged debt asking for a contractual agreement with my wet signature showing I was in a contract with Midland Funding. They sent a return letter asking me to provide contracts documents and bills or statement to further THEIR research. Midland Funding has violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft. You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.They are hurting my credit report and has shown no proof that I owe this alleged that to them. All three bureau have three completely origin date which is another inaccuracies when they can not provide ME with no contractual agreement between myself and Midland Funding. This is embarrassing and defaming to my character. I expect this to be removed immediately.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received an email from XXXX that stated a new negative/major derogatory activity has appeared on my credit report. The name of the collection agency is Midland Credit Management XXXX XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Michigan. XXXX The amount that they claim I owe them is {$190.00} I called Midland and spoke to XXXX XXXX. I asked what this is about. He said I owe this amount from something to do with XXXX. I called XXXX this morning, they said my account is perfectly fine. No issues. Mr XXXX said they were handling the collection and that they bought the XXXX Acct that is no longer open. I spoke with XXXX this morning and they said that XXXX XXXX is somehow involved in this. That they did not see anything about XXXX. I have only had XXXX XXXX Account, and still have it.
Company Response:
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I received a wrist of garnishment from a company called Asset acceptance this garnishment is a fraud. I dont know what kind of deb is that. And I saw a case again me in court that was closed. The date of that case is XX/XX/2010. I assumed that company bought a deb but I still dont know which one. But Given the case the statue the limitation is expired and I earn less than {$750.00} per week and the they are taking money from my check. I don't know how they allow this scam company to do these frauds. I never received a judge resolution and this company is taken 25 % of my salary. I attached a copy of my paycheck.
Company Response:
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone was suppose to handle the situation.
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A