Date Received: 2021-02-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed these with nothing received nor any changes. These are unknown items listed
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This correspondence is a notice of default with an opportunity to cure before I file suit depending on your response to this complaint. I have sent you an affidavit along with an invoice for several consumer rights violations under FDCPA for a federally protected consumer. I would like to clear this matter up out if court, if we cant reach an agreement I will file suit and you will be served immediately. I entered a consumer credit transaction using my open ended credit plan meaning, l, the holder of my social security card, a form of a credit card pursuant to 15 USC 1602 definition where I am both the creditor and the seller allowed The creditor to extend me my own credit from my open ended credit plan. I am the originator of all consumer credit transactions better known as the original creditor. I gave my credit to creditor to extend back to me making them a creditor/debtor. I entered a consumer credit transaction. I NEVER gave you or any other debt collector permission to send me a bill/statement through the mails trying to coerce payment and threatening me to report to cras or any other agency if I didn't pay this alleged debt. On record These are all alleged debts that I owe and Pursuant to 18 USC 8 I know All obligations of indebtedness are the obligation of the UNITED STATES. Two the contractual agreement your sending my collection bills/ statements for has already been paid with my open ended credit plan all correspondence from your company is fraudulent. PURSUANT TO 15 USC 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Third, It is Fact that an affidavit is pivitol in law do to the fact nothing ( in law ) has the power to cancel out override an affidavit except another affidavit which has rebutted the first, point for point. ( Rule 902 ( 1 ) ( A ) a seal purporting to be that of the United States ; any state, district, commonwealth, territory, or insular possession of the United States ; the former Panama Canal Zone ; the Trust Territory of the Pacific Islands ; a political subdivision of any of these entities ; or a department, agency, or officer of any entity named above ) Fact, your company has no right under federal law Rule 902 ( 1 ) ( A ) to self authenticate this document. After defaulting on my affidavit This is your opportunity to cure our of court. You will not be able to seek legal action against me. Because no lawyer was present to witness the transaction, if you where to try to seek action the lawyer would in fact be practicing here-say because they where no physical present when the alleged transaction occurred which is illegal. This is for all three affidavits I sent into your company each has an invoice attached if you chose to ignore them you will me meeting me in court.
Company Response:
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 I started getting letters from Midland Credit Management. Unpon further research, these accounts were transferred/sold and I am no longer responsible for the accounts. Debtor 's creditor did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Midland Credit Management has violated my rights as a consumer and I'm requesting legal action to remove these account immediately.
Company Response:
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My debt with midland financial had already been removed from my credit report after I had disputed the debt with XXXX. Therefore they can not threaten to sue me as the debt had been discharged due to " The balance and/or past due amount being incorrect ''. This judgement was completed on XX/XX/2020 and was subsequently deleted from my credit history. They call me multiple times a day, have called family members of mine, and have threated to sue me if I do not pay, even though I no longer owe money to this company. If they do not stop I will take legal action of my own. They have been sued many times and threaten many other people and it is time this stops now.
Company Response:
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A few years ago upon checking my credit report, I noticed a collections account listed by Midland Funding LLC with a " placed for collections '' date of XX/XX/XXXX. At that time my credit score dropped due to the listed collection ( which I deny owing ). Up until XXXX of XXXX my credit score had been at XXXX. At that time, I received notification from XXXX XXXX that my credit score dropped 53 points in one reporting period to XXXX. When I researched the reason for this precipitous drop, it showed that Midland Funding LLC had removed the collections account and reinserted the account as a " new account in collections '' in the same period under Midland Funding ( minus the LLC ), thus causing my credit score to plummet. This has caused my credit to drop below XXXX which will make renting an apartment or obtaining auto financing ( which I will need to do in the next few months ) very difficult. I contend that this is wrong, including the fact that Midland claimed the account in collections back in XXXX only to now reinsert as a " new '' account in collection and only removed the LLC from the listing despite it being the same company. This devious tactic should be reversed immediately as well as the collections account being removed permanently from my record.
Company Response:
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Midland credit management has continued to threaten to sue me if I dont pay a debt which is against the law. I have disputed the debt many times as it is more then the original debt I owed to the company where the debt originated. The amount they say they owe is XXXX I received this letter on XX/XX/21. They have spammed me with phone calls despite the fact that I have told them to stop calling me. They call me on my work phone and have even contacted family members of mine.
Company Response:
State: SC
Zip: 29466
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Wage Garnishment of my income, for a credit card I have no knowledge of for this debt. XXXX XXXX Credit card opened inXX/XX/XXXXand the company states that the judgment is from XXXX. The company has summonsed me for a service judgment from the court for wage garnishments. The judgment amount total balance due is {$4600.00}. All of my old accounts with XXXX XXXX has been paid in full.
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed this COLLECTION account with XXXX. They concluded? ( How? ) that the debt is mine.. I HAVE NEVER NOT PAYED MY OBLIGATORY INCURRED DEBTS! I have NO IDEA how this collection account from midland Collection came about? I DID NOT OPEN ANY ACCOUNT THAT I HAVE NOT PAID FOR! It is NOT mine! HELP ME! I do not owe this money! XXXX XXXX
Company Response:
State: MN
Zip: 55303
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX/XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$790.00} as of XX/XX/XXXX. I disputed this in mid-XX/XX/XXXX. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XX/XX/XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached #
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing this report to dispute a fraudulent account opened under my name on XX/XX/XXXX. This has been an ongoing battle with the company, Midland Credit Management, who sent the last bill to my current address. There was an account number XXXX for XXXX XXXX XXXX. The Midland Credit Management is number for the account is XXXX. The balance was written off as {$360.00} as of XX/XX/XXXX. I disputed this in midXXXX. I received a letter on XX/XX/XXXX stating that it was not seen as fraudulent. So, I have attached a fraud affidavit & This account does not belong to me and it is fraudulent. I am basing this claim on a report I received from XXXX on XXXX ( report # XXXX ). According to my most recent XXXX credit report ( report # XXXX ), the XXXX account number is XXXX. This XXXX XXXX/XXXX account was opened fraudulently on XX/XX/XXXX. It was charged off on XX/XX/XXXX and sold to the company. I have not once agreed to the account or proven its validity. This account is fraudulent. I may have left my social security information or maybe paperwork was around me upon moving from place to place. I do not know who opened the account, but it was not me. Find police report # XXXX attached. I also have a fraud affidavit attached.
Company Response:
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A