Date Received: 2021-03-31
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Midland Funding. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
Company Response:
State: TX
Zip: 78244
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Disputed account with all 3 credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.
Company Response:
State: TX
Zip: 78589
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: Disputed account with all XXXX credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.
Company Response:
State: TX
Zip: 78589
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: Disputed account with all 3 credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifyable account is hurting my credit score.
Company Response:
State: TX
Zip: 78589
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: Disputed account with all 3 credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.
Company Response:
State: TX
Zip: 78589
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: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Midland Credit is attempting to collect on a debt and I have no affiliation with this collection agency.
Company Response:
State: FL
Zip: 34203
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: 2021-03-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX - I was served with a lawsuit being sued in small claims court ( General District ) court in XXXX XXXX Virginia for a debt that a XXXX XXXX purchased as a charge off from a XXXX XXXX account my ex-fianc and I had opened. She let the account go delinquent, and the last information I had was when XXXX, who was servicing the account for XXXX, reached out with a settlement offer. After that, I was not contacted about it until I received the summons. I did research about Midland Credit, and noticed all of their recent improper collection tactis. XX/XX/XXXX - I filed an answer to the lawsuit for the judge to send the case to private arbitration per the agreement of the original account terms. I provided service of my answer to XXXX 's attorneys. XX/XX/XXXX - I received a phone call from the XXXX Attorney that filed suit, XXXX XXXX XXXX. We discussed why I had counter filed, and if we could work out a settlement prior to having to appear in court ( which was scheduled for XX/XX/XXXX ). I sent him the last documentation I had from XXXX, and he came back with his best settlement offer of 50 % of the outstanding total to consider the account satisfied, the balance {$0.00} and the account paid less in full, but settled. XX/XX/XXXX - I accept the settlement offer, and immediately send XXXX a check via XXXX overnight. XX/XX/XXXX - He receives the payment and sends it to XXXX 's internal team that does that, and says it will take XXXX days to clear since it was a personal check, and that was no problem, and we would have the hearing on XX/XX/XXXX and ask for a continuation, and once the check cleared, he would dismiss the case. XX/XX/XXXX - I go to court as well, we agree that a settlement is in place, and the check has been provided, and are just waiting for final clearance of funds. The judge pushes the case to XX/XX/XXXX. XX/XX/XXXX - I reach out to XXXX to see if there is any additional items he needs from me. He responds that no, the funds have cleared, and he will write up a memo to the clerk of court that the matter is settled and for it to be dismissed. XX/XX/XXXX - XXXX 's attorney writes a memo to the clerk of court regarding the matter being settled and for it to be dismissed. XX/XX/XXXX - The clerk of court receives the memo, and reaches out to me, as I had called and ask for her if she did not mind before XX/XX/XXXX so I would know if I had to show up in court with proof of payment and offer. XX/XX/XXXX - I receive an update from credit karma for a " new '' and open collection account on my credit report. That is odd, because, I understand them reporting the account, that is fine, and that is what should be done, however per my agreement, and the terms from their legal team, my account was considered closed, and having a balance of {$0.00}. Why would my credit report show that I have a balance of {$1400.00} with an active open account. XX/XX/XXXX - I reach out to the XXXX attorney about this. He states that the account should show as closed and a balance of {$0.00}, however he doesn't handle that, and to call XXXX 's XXXX number. Which I do, and they state that the account is reflected properly. XX/XX/XXXX - I file a dispute with the three agencies, and submit the supporting documentation I am going to provide here as well ( copies of the settlement agreement, the memo to the clerk of court, the communication between the attorney and I, copies of my bank statement showing the cashed check and a copy of the cashed check ). I have not heard back from XXXX or XXXX as of this dispute, however experian has responded, and stated they found the information to be accurate, which I can not believe. They are the only one that was submitted online, so I was not able to submit as much documentation, however this is unbelievable ( to me ) tactics by an already known deceitful company. The fact that they can still report an open active collection account when their own attorneys agreed to a settlement offer that is not being honored, is mind blowing, and really hurts the consumer.
Company Response:
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX, I sent a debt validation to Midland Credit Management asking them to validate a debt they say I owe. I also sent a follow up letter reminding them that they have not answered the original request. As of today, they still have not validated the debt. Documents of the correspondence are attached.
Company Response:
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't remember that I had an account with these collectors/creditors. I've asked multiple times to send proof of ownership but they haven't complied with my request yet.
Company Response:
State: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2021-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been in contact with Midland Credit on numerous occasions which is the data furnisher to my personal credit. They are advising me that a law office XXXX and XXXX are now handling this file which. Midland Credit can't give me information in debt keeps advising me to give them a call meanwhile XXXX and XXXX is advising that they are NOT handling and have no records under my name, full social, telephone number or any information I have provided. This is hurting my credit and I am in the process of purchasing a home and this will prevent me from doing so. I was looking for a quick resolution but unable to begin to speak to anyone. I believe that this a violation of the FCRA and they should not be allowed to report things to my credit without being able to speak to Mr and provide details. I have even made attempts to do three ways calls and still no avail was I able to get a resolution.
Company Response:
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A