Date Received: 2021-04-01
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Theyve called me numerous times after Ive told them not to. Theyve also re aged my debt account by {$1.00}.
Company Response:
State: NY
Zip: 10454
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi MidlandMCM ; I never had any relationship with you nor the original creditor XXXXXXXX XXXX! But 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? 3. 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: 02780
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I was in the first stage of the mortgage process and they pulled my credit report. I never received calls or letters about this report and they put it on my credit report. I called to verify this debt and they said I owe money from which they bought a debt from another company. After finally having my lawyer call, they sent me some in the mail that does not validate my debt nor has my signature on anything. Only the credit card statement they received from the original credit they bought the debt from. They said I need to pay or they will sue. They continuously report negative information on my credit report everyday. Im like how do I fix this if they cant verify my debt.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: contacted collection company on XX/XX/2021 to validate debt.. via XXXX never got a response. contacted collection company on XX/XX/2021 to validate debt via XXXX still no response.
Company Response:
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland Credit Management Regarding Final Settlement for a Debt Collection I contacted Midland Credit regarding : Account : XXXX XXXX I contacted their offices regarding a settlement for {$300.00} for these accounts apiece. I spoke to XXXX XXXX. He transferred me over to XXXX XXXX. She in detail told me to fax over a handwritten letter indicating to cancel the dispute from a credit agency for which I did on XX/XX/XXXX. I in turn contacted them again on XX/XX/XXXX to follow up. I was told again to re-fax another letter over for which I did. I contacted them again today, and I told the CR that I am in the process of filing Chapter XXXX and was trying to settle these XXXX accounts for {$300.00} apiece. The lady CR said that nothing had been done and to refax another letter again, I told her NO! I had already done what they requested, and still no action. XXXX hit my credit report again, playing games, from XXXX to XXXX. I did what they requested for me to do in order to move forward with the final settlement and they are purposely ignoring it and play games on the telephone.
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Midland Credit continues to call my phone number after my written statement to stop all calls. Midland Credit continues to call before XXXX, most recently at XXXX pst. It has been proven the numbers that have been calling me DO IN FACT BELONG to Midland Credit and they have continued to call when they stated to the Consumer Financial Protection Bureau they would only be contacting me by mail as well as discontinue calls before XXXX. They have NOT done as they stated they would. All documents are provided.
Company Response:
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the XXXX bureaus. How can XXXX account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Company Response:
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a letter from a Law Firm : XXXX, XXXX XXXX XXXX XXXX Midland Funding LLC. stating a debt was owed. I sent a letter to the law firm requesting proof that the debt was indeed mine. All that was sent was a judgment that was filed in court. Nothing was submitted proving that debt is indeed mine from either party such as a signed contract. Upon further research, I see this debt recovery was initiated in 2011, in which there was never any communication. I request the necessary information be provided proving that this debt belongs to me.
Company Response:
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act XXXX XXXX ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX XXXX XXXXXXXX IN Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-31
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Back in XX/XX/XXXX I open a credit card with XXXX XXXX XXXX with a {$500.00} credit limit. It was charged off in XX/XX/XXXX. I filed for bankruptcy in XX/XX/XXXX and I got the card to help build my credit back up. I ended up being out of work for little while and got behind. I moved in XXXX and got married in XX/XX/XXXX. In XXXX of XXXX, my son was in a very life threatening accident and was in the hospital for a while. In XX/XX/XXXX Midland Credit had me served at my old address for a judgement. My sister or someone claiming to be my sister happened to be close to the house and took the paperwork. When I was notified I went to the courthouse and signed the paper to request a hearing. Well my son was still in the hospital and I forgot about the court. So they filed against me. Midland, per their attorney XXXX XXXX XXXX also filed for a FiFa to be placed on my property in XX/XX/XXXX, because they knew that I came off my bankruptcy in XX/XX/XXXX. So in XX/XX/XXXX Midland credit begin to report the debt on my credit as their debt. They are now saying that I owe {$1000.00}. My complaint is for the amount of time that the debt was placed in their office XX/XX/XXXX. They were pulling my information because they knew of the public records about the bankruptcy so they could see my new address and contact information. Also I have 2 open credit card accounts with XXXX XXXX right now. They use the the XXXX XXXX XXXX law office to collect their money and will not deal with the debtor. The XXXX XXXX XXXX law office have random people calling and working on the case. And they are very unprofessional and will not return calls or answer emails. They even had an attorney from different area to step in on their behalf. My case number is Midland Funding is XXXX.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A