Date Received: 2021-02-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account had no record that ever belonged to me with these authorities/leasers. I tried to contact them and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.
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
Date Received: 2021-02-26
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Collection agency is trying to call my Phone number looking for someone else. I tell them its the wrong number but they wont stop calling, I block them but then they call from a different phone number. Recent call came from XXXX
Company Response:
State: VA
Zip: 24502
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: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Midland credit, they never contacted me! Old credit card that I forgot about from 20. I I paid iXXXX when I retired. No letter from midland credit to collect. They just went straight to XXXX XXXX magistrate court and filed. I found out in XXXX. Magistrate court left a hung note on my house door. I went in person and found out when I told them there was a note hung on my door. Midland credit never sent a letter to me about this just filed at XXXX XXXX magistrate court in ga
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Above, we have already reached an agreement upon settlement with a letter of deletion and they are now refusing to provide the document of letter of deletion. Settled on XX/XX/2021 and is still on your credit report.
Company Response:
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021, I called this company and spoke with 4 different people. Their company continued to hang up on me. When I finally got someone on the phone, I agreed to a settlement of {$980.00}, which is ridiculous because the original debt is XXXX. I gave the rep my card number 3 times, but they continued to say that the system wouldn't allow them to take this information. So I provided them with my husband 's bank information, routing and account number. After the rep took this information, she assured us that the payment went through and we will receive a letter in the mail in 7 days saying the debt was paid. She was extremely rude when taking our information. When the information was received, I asked for a confirmation number. She did not provide me with a number. I also asked if she could email me something saying the debt was paid. I commenced to give her my personal email. She said it wasn't working. I tried to give her my husband 's email, she said she couldn't use his. I tried to give her my work email, she said that she couldn't take that. So finally my personal email works. I check my email, but still not email from Midland. Today, XX/XX/XXXX, I checked the account for Midland and my balance still reads {$1400.00} as my balance. So that let 's me know that my payment was not received or didn't work. This has been a terrible experience with a debt collection agency. This has actually been the worst experience ever. This is a huge hindrance. I am working on my credit report and trying to settle somethings and this is not working out.
Company Response:
State: TN
Zip: 38109
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This loan dose not belong to me and if this can be removed from my credit report i would appreciate if you can delete these items so i can further my family feature.
Company Response:
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I discovered some accounts on my credit report that did not belong to me, that happened right after I pulled my report. I do not know how, but the accounts were there. On XX/XX/XXXX, I started my journey of removing accounts that were not mine on my credit report, little by little the accounts have been coming off, unfortunately, I am still getting in the mail collection letters regarding accounts that are part of Identity Theft, the accounts are not mine, I do not recognize them. Last month, sometime on XX/XX/XXXX, I received a collection letter from XXXX, XXXX XXXX XXXX, XXXX trying to collect on an alleged debt with MIDLAND CREDIT MANAGEMENT , INC that is also part of an issue with Identity Theft. I am reaching the CFPB to do a complaint and accelerate the process of fixing this Issue.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Midland Credit is reporting a fraudulent account on my credit. I didnt open this account, nor did I authorize anyone to do so on my behalf. Please remove this account from credit file as it doesnt belong to me
Company Response:
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
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: On or about XX/XX/XXXX I disputed an item on my credit report as it did not belong to me. I requested for the credit reporting agency and the debt collector XXXX Midland Funding LLC XXXX to validate this debt since it was not mine. As of XX/XX/XXXX Midland Funding LLC has not responded to my request for validation of this debt nor have they provided factual information that this account is legally my responsibility. As of today this account remains on my credit reports with the comment " Account information disputed by consumer, meets FCRA requirements '' This does not resolve the matter nor does it comply with my request for validation. Midland Funding LLC has violated FCRA by failing to report true information and provide me with the requested data related this fraudulent account.
Company Response:
State: TX
Zip: 78223
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND FUND is claiming that I owe them {$590.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A