Date Received: 2021-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In 2013 XXXX got hack and my information was compromise and from then on I have been the victim of collection agencies. The likes of Midland Funding LLC and XXXX XXXX I, XXXX try to collect funds of accounts I never had with XXXX credit card. Midland Funding LLC is asking {$5800.00} XXXX XXXX XXXX XXXX is asking {$2300.00} I have responded legally in the courts but a no vail. And that including a police report with Identity Theft report. I am in the process to file a injunction against this agencies to stop this harrasment. And yes I am and doing this on my own because I can not afford a lawyer I live on my Social Security only.
Company Response:
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Good afternoon, I recently checked my credit score through XXXX and became aware of an account I did not recognize. XXXX reported that I owe {$1700.00} to Midland Credit Management. I called Midland Credit Management and informed me that I had an account with XXXX XXXX XXXX through XXXX XXXX and that they were a collection agency. I told the person I spoke to, that I have never opened an account at XXXX XXXX XXXX therefore I do not recognize this charge and to please remove it immediately from my credit report. This person told me that I had to contact the law firm handling the case and refuse to provide me more information. It seems someone XXXX have opened a fraudulent account using my name at Bass XXXX XXXX and I was not aware of it. Thank you for your help. Regards,
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: MIDLAND FUNDING LLC IS A COLLECTION COMPANY TRYING TO COLLECT BY COURT WITH MY NAME BUT SOCIAL SECURITY NUMBER IS INCORRECT, THE ADDRESS IS INCORRECT IT WASN'T ME AND SENT A AGAINST ACTION TO MY EMPLOYE
Company Response:
State: FL
Zip: 33837
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2021 Midland Credit Management says I owe them false debt. That keeps being mailed to me. Also I'm having harrassing phone calls. I do not owe this debt because I never did business with this company. The debt is {$9000.00}
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I noticed that my check was not the usual amount that I usually get. So I contacted the payroll department and that's when I found out that I was being garnished. I got the information of MIDLAND FUNDING LLC and contacted them to find out why. I was told by the collection agency that I had opened a credit card account in XX/XX/XXXX. I have no recollection of doing such thing. I never liked credit card and I was using prepaid cards at the time. I was told The Final Judgment entered on XXXX XXXX, XXXX in the amount of {$17000.00}. Statutory interest accrues in accordance with Section 55.03, Florida Statutes, from the date of the Judgment until the Judgment is paid in full. An outstanding balance of {$28000.00}, plus statutory interest is still owed under the judgment. Therefore I am being garnished 25 % of my check every time I get paid by MIDLAND FUNDING LLC. I sincerely believe that this account was fraudulently opened on my name.
Company Response:
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit abandoned this claim after collecting payments towards balance in 2019. After 2 years Midland demanded to start collecting payments again. My banking info never changed so I dont know why they stopped collecting automatic payments. They abandoned the debt by being inactive for the length of time they were not taking payments. Midland was not in communication during those 2 years. The amount that I owe is wrong and by abandoning the account Midland should remove i from appearing on my credit report.
Company Response:
State: CA
Zip: 94523
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection account are posted on my credit from an account I've never had. Midland credit has been contacted and asked to verify the debit and refuse to do so. Midland Credit Management XX/XX/2020 {$6000.00}
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection accounts are posted on my credit from accounts I've never had. Midland credit has been contacted and asked to verify the debit and refuse to do so. Midland Credit Management XX/XX/2020 {$7100.00}
Company Response:
State: AZ
Zip: 85296
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland Credit Management Account XXXX XX/XX/XXXX Date Opened Loan Type : Credit Card Charge off Account Company named above claims I have a unpaid balance charge off. Company above appears on my credit report as XXXX initially, but this account was sold to this compnay. Thus, making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owe them {$1200.00} dollars in XX/XX/XXXX. This company has failed to show, what item or service I owe them for. How or what item or service was purchased and not paid for. Who purchased the item or service under what name, address, telephone number, social security number, how was the item or service purchased via credit or debit card, cash, money order etc. or any other form of payment. I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks without a license to collect or operate in my current home state, my current address ; 2. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items ; 3. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owed to another company or business/provider, without my consent ; 4. above company has reported and has continued to report such derogatory remarks by purchasing a alleged debt I owe as third party debt collection and is not the original company, business, provider of such item, service or product ; 6. above company has reported and has continued to report such derogatory remarks without notifying me at my address or by phone to make me aware of such debt. Thus failed to do so. 7. Midland Credit Management must submitted proof that they have the correct person who owes said monies, and that my correct social security number on file is indeed the correct social security number. It is respectfully submitted based on the above, that the above named company remove any and all derogatory remarks, comments, statements, reports, submissions to any reporting bureau or agency/company, and the credit reporting bureaus : XXXX XXXX XXXX and XXXX
Company Response:
State: NY
Zip: 10314
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Unpaid collection on my credit report from 2018. I am a victim a few times over with identity theft. There is a breech in nearly everything. I have no record of this account and have tried deleting it directly with the companies. I do have active cards with the card company that I do use
Company Response:
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A