Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Two different account numbers and charges. XX/XX/2019 amount owed is {$360.00} XX/XX/2019 amount owed is {$330.00} Neither one of these are mine. I have filed an identity theft report
Company Response:
State: IL
Zip: 61107
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company is reporting a debt on my account as a collection account, and I tried to get information in writing to make sure this is actually my debt because I never signed into any agreement with this company. In the letter it states charge off XXXX 2016. They also included different amounts {$1000.00}, {$860.00}, and they are reporting late fees on a charged off closed account. I have reached out asking for verification but only get The account is accurate. I have also reached out by phone to rectify and was told to call someone else. Company Midland funding LLC
Company Response:
State: IL
Zip: 62269
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ***PLEASE NOTE MY CAPS BUTTON IS STUCK ON FOR SOME CRAZY REASON AND I AM NOT YELLING OR TRYING TO BE AGGRESSIVE. *** ON OR AROUND XX/XX/XXXX I CONTACTED MIDLAND CREDIT MANAGEMENT ABOUT TWO ACCOUNTS THEIR OFFICE WAS CURRENTLY REPORTING ON MY CREDIT REPORTS. I WROTE ASKING FOR VALIDATION PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, AND THE FAIR CREDIT REPORTING ACT, ALONG WITH MY LOCAL LAWS. ALL LAWS BASICALLY STATE THE SAME THING, UPON REQUESTING AS A COUNSUMER- I AM ENTITLED TO EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) CONTRACTUAL OBLIGATION TO PAY THEM ANYTHING. PLUS, I NEEDED EVIDENCE THE DEBT/CHARGES WERE MINE. I ALSO REMINDED THEM I HAD MADE ALL 3 BUREAUS AWARE OF FRAUD ON BOTH MY SS # AND CURRENT ACCOUNTS FROM A DATA BREACH. I ALSO INQUIRED ABOUT THE PROCESS THEY USED TO VERIFY THE DEBT. ADDITIONALLY, I ASKED THEY PROVIDE ME THE INFORMATION OF THE PERSON ( S ) THAT VERIFIED THE ALLEGED DEBT SO I MAY INVESTIGATE FURTHER SHOULD I NEED TO. I REQUESTED IF THEY COULD NOT PROVIDE THE INFORMATION REQUESTED THAT THEY REMOVE THE ITEM FROM MY CREDIT REPORT ( S ) AND STOP COLLECTIONS. I MAILED ( CERTIFIED MAIL ) MIDLAND ON OR AROUND XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX. IN RESPONSE TO MY LETTERS MIDLAND RESPONDED " AFTER INVESTIGATION YOUR ACCOUNT WAS VERIFIED YOUR DEBT '' BUT I NEVER RECIEVED ANY OF THE VALIDATION REQUESTED AND REQUIRED. FURTHERMORE, ON ONE OF THE ACCOUNTS ( XXXX ) THEY DID NOT RESPOND WITHIN THE REQUIRED 30 DAYS, NOR DID THEY REPORT THE ACCOUNT AS DISPUTED WITHIN THE 30 DAYS, THAT ALONE MAKES THEM NON-COMPLIANT AND THE COLLECTION SHOLD BE REMOVED. THE LAST RESPONSE MIDLAND SENT ME A LETTER DATED XXXX STATING " WE ARE UN CERTAIN OF WHAT YOU ARE SPECIFICALLY DISPUTING '' AND REQUESTING " WRITTEN EXPLINATION AND DOCUMENTATION DEMONSTRATING ANY ERRORS IN OUR ACCOUNT INFORMATION ''. IT IS NOT MY JOB TO DO THIER WORK. I HAVE BEEN VERY CLEAR WHAT I AM DISPUTING AND REQUESTING, I AM DISPUTING THE ENTIRE ACCOUNT AND REQUESTING VIABLE EVIDENCE THAT THEY MUST HAVE ON RECORD THAT THE DEBT IS INDEED MINE AND MY SIGNATURE STATING I HAVE A CONTRACTUAL OBLIGATION TO PAY THEM. AS YOU WILL SEE IN MY ATTACHEMENTS, THEY HAVE SENT THE SAME LETTER EACH TIME IN RESPONSE, THIS IS WHAT I BELIEVE IS STALL TACTIC AND COMPLETE VIOLATION OF THE LAW. I DECIDED TO FILE A COMPLAINT AS THE LAST DITCH EFFORT TO GET YOUR HELP BEFORE FILING AT MY LOCAL COURTHOUSE AND ASKING A JUDGE TO DECIDE. THANK YOU FOR YOUR HELP.
Company Response:
State: CA
Zip: 95678
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days. I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me. Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice. The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of a such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files. 1. MIDLAND FUNDING LLC bal. {$330.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
Company Response:
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2021-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I started working with XXXXXXXX XXXX, a debt consolidation company helping me make settlements with current lenders back on XX/XX/XXXX. We were able to come into a settlement with Midland Credit Management , Inc back in XX/XX/XXXX. The settlement was for 12 payment of $ XXXX monthly. After the pandemic i was force to cancel my agreement with XXXX XXXX due to financial difficulties on XX/XX/XXXX. At that point I had already made 9 payments to Midland Credit Management , Inc. With only 3 payment left for {$260.00} each. I tried several time to reach out to Midland Credit Management , Inc to make payment arrangements given only 3 payments were due. I could honestly say I called them over 15 times. They kept saying I had to talk to another department because I was previously working with a debt collection agency. I call multiple time, ask to speak to supervisor, asked them for a call back and nothing happen. For starters Midland Credit Management , Inc has never sent me any correspondence with the amount owed, or due dates or any notice of late payments. I had to research online for their contact information even though my information HAS NOT change from the information the original lender had on file XXXX XXXX XXXX XXXX. After many many calls with no resolution I continued calling. Until XX/XX/XXXX when I noticed that Midland Credit Management Inc had reported 120 days late on my credit report. I tried calling and again after hours on hold I was finally able to speak to a manager, who stated that despite my balance being under {$800.00}, that settlement was voided if the payment didn't come directly from debt consolidation agency. Which I had cancelled. He also informed me that my balance now was up to {$3900.00}. Which honestly feel like Midland Credit Management has dishonest practices to make sure they don't have to abide and can get away from settlements what way. I when on to try and settle ON XX/XX/XXXX, he stated that the best offer would be {$2400.00}. And that would not remove the incorrect reporting of the 120days late, it will be removed from my credit report years later. First of all, I honestly believe it shouldn't had been reported to begin with at all since I have records of trying to reach them since XX/XX/XXXX when next payment was due after I left the Consolidation company. It's truly incredible what companies like Midland Credit Management can get away with these practices, specially in this pandemic and many suffering from financial difficulties.
Company Response:
State: NY
Zip: 11581
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas XXXX XXXX XXXX XXXX. I have learned that XXXX claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: Midland Credit Management LLC started garnishing my wages on a default judgement. I received a notice from the court At the time Midland was involved in an civil suit with 42 other states for there collection tactics. Midland lost the case so there reliability as a trusted business was far below standards of practice. Is this robo affidavits like the 1400 other claimed in ohio I tried an failed to verify the debt do to the pandemic no response. I soon realized that 98 XXXX complaints in 2weeks I still ended up with a default judgment. Wages garnished no response from mid land credit contacted the attorney of there legal division for verification of who an what this 3rd party debt was no answer. In a time of a nation in crisis every state preventing garnishment an debt forgiveness and I front line defense an sole provider of a family of 3. I can not afford to be garnished. No date to appear in I owe the debt I would like a 609 form a call without a language barrier, no calls to my employer the writ was quite enough to tarnish my reputation of 25years of service. I have no other choice but to file complaints to XXXX the state attorney general of Ohio and whom ever else I can to get this garnishment removed.
Company Response:
State: OH
Zip: 43050
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, to whom it my concern my name is XXXX XXXX XXXX consumer ). I am A federally protected consumer ; I would like to thank you for the opportunity to address my concerns regarding third parties Midland Credit Management Inc ( mcm ) ( Debt collector ) Charged Off by XXXX XXXX XXXX XXXX XXXX XXXX My account Original Account Number is XXXX or XXXX. MCM has infringed upon my rights to privacy under the Fair debt Reporting Act 15 U.S.C. 1692 ( a ) I ( consumer ) Have notice MCM was furnishing allegation of an alleged debt for {$590.00} to the consumer reporting agency without the prior consent. I would like to ask how my location information was gotten, and who provided you consent to communicate with I ( consumer ) This debt collector was not given prior consent from me to communicate with me in connection with the collection of any debt, which I would like MCM to provide me my writing consent of such action. If request can not be provided this will be direct violation of 15 U.S. Code 1692c ( a ). During the initial communication debt collector was not confirming location information instead they have accused me ( consumer ) of alleged debt which is under federal violation of 15 usc 1692b ( 1 ) ( 2 ) MCM has harassed me to coerce payment on a debt, they have advertised to me which has ruin my reputation. Is a violation of 15 usc 1692d ( 4 ) This MCM ( Debt collector ) has use deceptive and unfair mean to collect debt from me not permitted by law is a violation of 15 usc 1692f ( 1 ) I have disputed the validated of this debt to MCM ( debt collector ) which they have removed off my consumer report. I the original creditor im requesting Actual and statutory damages brought by Defendant Midland Credit Management Inc For violating the FAIR DEBT COLLECTION PRACTICE ACT, 15 U.S.C 1692 et seq Which prohibits debt collectors from engaging in abusive, deceptive, and unfair debt collection practices This is a violation of 15 usc 1692g ( 5 ) .I request All further collection efforts against I ( XXXX ) with regard to the accounts, any negative credit reporting be removed of any database. in addition, to the damages I'm requesting XXXX XXXX XXXX ( XXXX ) to settle. If this offer is not accepted, my next step will be taking this case to legal proceeding to litigation.
Company Response:
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This collection agency is reporting to all three bureaus ( XXXX XXXX XXXX XXXX XXXX on my consumer credit report that a debt is owed to them. The debt is entirely inaccurate and incomplete and as such, represents a very serious error. I have not received any communications regarding this debt from this company, or an opportunity to dispute the validity of this debt. This company is in violation of the Fair Debt Collection Practices Act section 809. Their negligence has caused me distress and is hampering my ability to obtain credit and housing.
Company Response:
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2021-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A