Date Received: 2021-02-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland 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 VS Midland Funding Case. I have learned that Midland 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: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear sir/madam, MIDLAND CREDIT MANAGEMENT has been reporting to the 3 credit agencies that I owe {$430.00} to them for an original creditor called '01 XXXX XXXX '. They have been calling me at home and work numbers several days per week harassing me about this money. I DO NOT owe them any money! And they are in the process of RUINING my credit. I have submitted a dispute via XXXX XXXX but no response yet. I suspect this could be owed by someone with a similar name as mine. Please help! Midland Credit Management is ruining my credit with a BOGUS collection submitted to all 3 credit bureaus.
Company Response:
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2021 the law firm of XXXX XXXX based in XXXX Minnesota and licensed to practice law in Nebraska and as a debt collector was representing Midland Credit Management also a debt collector attempted to get me to pay for legal fees or interest before a judgement was first received in court. Federal courts have previously ruled that debt collectors can't collect attorney 's fees or interest from people without first receiving judgment from a court in a debt case. Im reporting them in violation of the Fair Debt Collection Practices Act ( FDCPA ).
Company Response:
State: NE
Zip: 684XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland funding has lied about service ( I have proof- they claimed to serve an ex husband and he not only never lived in this state but the description is way off ) they never served papers, postmarked an envelope for XX/XX/XXXX, obtained a writ on XX/XX/XXXX on a judgement by default from XXXX which again I was not served and had no knowledge of the debt.
Company Response:
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Identity theft protection or other monitoring services
Subissue: Received unwanted marketing or advertising
Consumer Complaint: As of today, XXXX XXXX, 2021, another batch of ROBO calls have been coming in to our phone. This has been going on for weeks. The answering machine leaves our message and the caller from ( XXXX ) XXXX hangs-up without leaving a message. This harassment has to stop - NOW
Company Response:
State: WA
Zip: 98802
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have a fraudulent account on my credit report that I have never heard of.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I looked up my credit report and saw a collection from Midland Funding, LLC. I wrote them and asked them to send information verifying the debt. They have not sent this information.
Company Response:
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.
Company Response:
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no record of this account that ever belonged to me with these collectors/creditors. I've asked them to send proof of ownership but they haven't complied with my request yet.
Company Response:
State: CT
Zip: 06002
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A