Date Received: 2021-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have reached out to Midland Funding ( Encore Capital Group ) regarding a debt from an XXXX Credit card that was sent to XXXX XXXX for collection. The debt was for XXXX XXXX in the amount of {$1100.00}. The original account number was XXXX. My Midland Funding Account XXXX was XXXX. For some reason thay have changed this to XXXX. I paid the collection in full to XXXX XXXX ( XXXX ). XXXX XXXX received the new amount due {$1200.00} on XX/XX/XXXX. I received the receipt for the payment on invoice # XXXX. A letter showing the payment was made and a copy of a letter sent to the court to show the payment was made. I contacted Midland Funding and they redirected me to XXXX XXXX. I called back and spoke to someone who said they would reach out to XXXX XXXX and my credit report would be updated in 30 days. When the credit report was not updated I contacted Midland Funding and received a voicemail. I left 3 messages that were not returned. I disputed the collection with the 3 credit bureaus but was told I did not have enough information to have the collection removed. I contacted Midland Funding again, who tried to send me back to XXXX XXXX. They said that still have not received the letter from the law office, but will reach out to hem, once again. They will not let me send them the receipts. They claim these must come from the law office and when they are received my credit report will be updated. They claim to have reached out to XXXX XXXX twice already with no response. I contacted XXXX XXXX. They claim to have sent the information to Midland Funding. I contacted Midland Funding on XX/XX/XXXX via chat and spoke to XXXX XXXX. I was told a Cease and Desist was placed on my account and forwarded to another number. I spoke to XXXX XXXX who would not provide a last name ) at XXXX am XX/XX/XXXX who had me remove the Cease and Desist claiming I placed this on XX/XX/XXXX - which I did not do. I did however speak to XXXX XXXX at XXXX XXXX who told me that would reach out to Midland Funding that day to correct the issue. XXXX consistently spoke over me and I requested a manager. Then XXXX informed me that they had reached out to XXXX XXXX twice, it is in my records, but they have not received anything from them. After asking repeatedly what happened in that correspondence and told me they have been having technical difficulties and they are missing a code. I explained that I understand technical difficulties but 2 months, 10 phone call and 2 chats should have resolved this and I wanted to speak to a manager. He told me no mangers were available and I could call back in 1 hour.
Company Response:
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid this debt in XXXX, 2021. I recently sent you information regarding another debt I already paid ; however, it appears that this debt been deleted from my credit file.
Company Response:
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom it may concern, My name is XXXX XXXX. XXXX # XXXX XXXX Midland Credit Management Inc XXXX MCM is suing me for a credit card debit. I was served on XX/XX/XXXX and was summon to show up in court on XX/XX/XXXX. Then I received a letter stating that the court date has been moved to XX/XX/XXXX. I have a dispute and have requested information from a creditor Midland Credit Management Inc. I have not received any information from this company and I requested this information on XX/XX/XXXX. We have a court date of XX/XX/XXXX and I still have not received any information. I have a post office receipt showing that the company received my letter. The following information is being requested from MCM. **a signed copy of the contract/agreement with my signature stating that I have an agreement with Midland Credit Management XXXX copy of all documentation/paperwork for the XXXX XXXX account showing how the charge amount totals to {$6200.00}. ** signed documentation showing that I give XXXX XXXX permission to sell my personal information XXXX a copy of the bill of sale and the purchase price that the debt collector paid for the debit and the date the debit was purchased. My contact information is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Thank you XXXX XXXX
Company Response:
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management has agreed to settle {$2100.00} for account ending in XXXX " WHEREAS, Defendant incurred certain debt related to a XXXX XXXX / XXXX account identified by account number XXXX ( the Debt ) and MIDLAND CREDIT MANAGEMENT XXXX INC.s account number XXXX and the Internal Legal Account Number XXXX ( the Plaintiff Account ), '' Midland has agreed to take all negative reporting information off my personal credit report on XX/XX/2021. So far, it still remains - so I ask that Midland take all negative marks off my credit report as soon as possible.
Company Response:
State: AZ
Zip: 85041
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: THIS IS XXXX XXXX. I cerify that i am the natural person XXXX XXXX so i shall be addressed as such. therefore i demand that you recognize me as the authorized representative and only me. I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY helping me so LET THAT BE CLEAR. I am a victim of Identity Theft & fraud. I contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. BloXXXX and remove them. if I consented to these inquiries, please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). furthermore, I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist. I demand that the following account be verified or removed immediately : 1. FDCPA SECTION 807 Violation Misleading False Reporting I did not authorize this Inquiry XXXX/XXXX Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once. 2. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted. 3. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted. 4. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT MIDLAND CREDIT MANAGEM Status Date : XX/XX/XXXX As a Consumer by law this account must be deleted. XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n. Thank you, XXXX XXXX
Company Response:
State: FL
Zip: 34986
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2021, I filed a complaint with the CFPB case id # XXXX against XXXX for allowing Midland Funding LLC to report on my credit report more often than allowed. XXXX 's 3 agents I spoke with agreed Midland had violated reporting practices but XXXX would not take action. So I filed a complaint. XXXX after the fact did an investigation into the matter and contacted Midland Funding, their client, who responded with retaliatory actions to all 3 reporting agencies especially XXXX and XXXX. Reporting false information that caused my XXXX score to drop 17 points. By changing the amount owed to a dollar higher than days later changing it back to the originally reported amount and then adding comments they were FRCA compliant and that I had disputed the accounts with Midland. These actions happened within a few days of the closing of the CFPB complaint and continued into XX/XX/2021. I called Midland on a consented recorded call and informed them I knew my rights and their reporting practices and retaliation practices were not FCRA compliant. In fact their violations of the FCRA. Midland has reported the account as new in collection twice within a week 's time. In retaliation for filing a complaint against XXXX questioning Midlands unconscionable reporting practices, they made a conscious effort to further damage my credit score by reporting false information via the amount and then changing it back within days to the original amount with reporting agencies erasing their tracks all to further damage my credit report. Basically just to show me they can without consequences from reporting agencies. After the CFPB closed my complaint XXXX continued an " investigation '' into the complaint in a week or so time concluded the investigation state in an email and written letter they had updated the information. When I logged on to check the information the amount had increased by {$1.00}. Then days later I get a notification through XXXX XXXX that my XXXX report had changed due to activity on the Midland Funding, LLC account. When I checked my XXXX report the amount had been increased by {$1.00} and comments had been added by Midland that I disputed the account and my XXXX credit score dropped 17 points as a result. With XXXX, the amount did not change but comments were added by Midland that I disputed the account with Midland and their reporting met FCRA requirements. Days after that I received another email from XXXX XXXX that the amount alleged owed to Midland had decreased. When I checked my XXXX report the amount allegedly owed had decreased by {$1.00} but the credit score remained the same and has not gone up since. First I have never disputed the account that Midland has reported on my credit report to date ... [ That is subject to change ] ... to Midland or anyone else. I disputed XXXX 's actions to refrain from allowing their client to abuse their system. To XXXX and to the CFPB, never to Midland have I filed a complaint until now or a dispute of the account reported on my credit report to date. Midlands actions towards the account and the way it was reported repeatedly over a few weeks after being contacted by XXXX was retaliatory and unconscionable. It caused great physical and emotional distress and other factors such as I had an application filed with the SBA for a COVID relief grant and the SBA checks credit scores. Scores Midland tampered with mean spiritedly intentional actions to cause a negative impact by reporting knowingly false information. In my consented recorded phone conversation the Midland agent had no response and said he would pass along the information to the department that does the credit reporting. After XXXX reported a {$1.00} increase [ which has also been decreased by {$1.00} days later ], they would not allow me to dispute the increase since I had filed a previous dispute over the way XXXX handled the matter with Midland.
Company Response:
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX is attempting to collect the wrong amount of money from me over a XXXX XXXX Bank ( USA ) NA. and I am already going to court over this situation with XXXX XXXX Bank XXXX USA ) NA.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I received a letter from this company dated XX/XX/XXXX ; indicating that I owe an unsubstantiated debt that was charged off on XX/XX/XXXX ; almost 8 years ago ; which is well over the statute of limitations of 7 years.
Company Response:
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX, XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 11367
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I received a letter from a debit collector stating if I do not pay them. They will take legal actions against me. I have reached out to such debt collector for them to validate this erroneous information on my credit report. I have yet received a response.
Company Response:
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A