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 {$910.00} as of XX/XX/XXXX. I disputed this in XXXX. 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. Whoever opened this account was up to date on payments. This could have been a positive effect on my credit history. 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: 2021-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There was a XXXX account that was opened in my name through XXXX XXXX.That account was closed by XXXX XXXX letter dated XX/XX/2019 because of fraud i have the letter.The account number was XXXX, XXXXXXXX XXXX sold the account to ( XXXX XXXX XXXX under a new account number after knowing that the account was fraudulent that account number was XXXX that this account was opened XXXX Now that same fraudulent account is with MIDLAND CREDIT MANAGEMENT INC they are trying to sue me after a cease and desist letter was sent to them to stop any collection activities. XXXX XXXX XXXX, XXXX has the account XXXX # XXXX
Company Response:
State: LA
Zip: 70094
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: 2021-02-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland credit management is proceeding with a lawsuit without providing me verification of the debt. I now have 2 pending court cases in the State of Missouri. I have asked two separate times for the debt to be verified, once on XX/XX/XXXX and on XX/XX/XXXX. To date, I have not received verification and the lawsuits are active. Missouri Court XXXX and XXXX Missouri court website XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: For over a year now I've been disputing a charge on my credit report, with the 3 credit bureaus as not belonging to me. What happens is that the item shows on one credit bureau, I dispute and say it is not mine, it is removed and 2 or 3 months later the same item shows up on 2nd or 3rd ( different ) credit bureau from a different collection agency. This pattern is repeated until the item shows on each credit bureau. So I see the item on my credit, I dispute. It's removed only to pop up at a different credit bureau 2 months later. The debt is for a medical bill, from 2015 ( 5 years ago ) for {$220.00}. No phone calls have been made to me, no collection demand payment letters have been sent to me. My credit score has a result been bouncing up and down from good to fair or worse. e.g. Last month my credit score went from a XXXX to XXXX ( 90 point drop ). Please let me know what I can do to stop this harassment. I called the collection agency this morning who is currently reporting this item the 2nd time this morning ( 1st call was approx 2 and 1/2 weeks ago ) only to be told that they are looking at the dispute. The name of the collection agency currently showing this item is XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX. Midland Credit - address?
Company Response:
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX and Midland Credit Management. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}. The Account Opened is Midland Credit Management Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$680.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Midland Credit Management, XXXX XXXX XXXX, and XXXX XXXX XXXX. The Account Opened is Midland Credit Management Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}. The Account Opened is XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$510.00}. The Account Opened is XXXX XXXX XXXX XXXX XXXX : XXXX Date Opened : XX/XX/2019 Balance : {$5100.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response:
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/2021 they called my young Daughters phone about my debt. I promptly told them to call me onmy cell phone. I called them back from my number and I promptly told them do not call my daughters phone again. They assured me that they had removed her number from their records. They also told me they would file a lawsuit against me and could Garnish my wages. Well the very next day they called my daughters phone again and left a message for me to call them. Even after assuring me the previous day that they had removed her number from their system.
Company Response:
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a debt owed to XXXX XXXX. The problem is 2 separate collection agencies are reporting that they own the debt and I currently have 2 negative reports on my credit. I have disputed both charges between XXXX XXXX XXXX as well as midland funding. They both claim to own this one debt, have added on fees and are trying to collect on it.
Company Response:
State: MA
Zip: 01844
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: The " said '' credit card ppl claim " I '' opened this CC. Which, I never I did. You can check my credit and my credit has been compromised, and I don't know why someone would do this to me anyway. I spoke to all 3 reporting agencies, and they directed me to speak Midland who have this acct. I asked for them to close this acct, bc I'm not responsible, but they keep nagging me that it is. They claim it was opened in XX/XX/2019, and I moved from XXXX to XXXX on XX/XX/2019. Plz, help me. I don't know where else to go! They said I need some kind of affadavit? Thank you! XXXX XXXX XXXX
Company Response:
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND FUNDING who has recently been sued by the CFPB and is currently under investigation by the California Department of Financial Protection and Innovation has illegally parked a collection for {$1300.00} in my XXXX consumer credit file. This act was committed without providing a XXXX notice in an attempt to force me to pay an unsubstantiated debt. Midland Funding LLC and Midland Credit Management had just previously submitted this same collection to XXXX without any notice, however XXXX immediately deleted the unverified collection. I disputed this debt directly with XXXX on XXXX XXXX, XXXX, the same day it was inserted. MIDLAND FUNDING again flagged and updated this collection with XXXX on XX/XX/2021 while it was being disputed with XXXX. I called XXXX again on XX/XX/2021 to inquire as to why my credit report was again flagged for this same collection. MIDLAND FUNDING proceeded to additionally flag and update this collection on XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and as recently as XXXX XXXX. After approximately 3 phone calls with XXXX and multiple updates from XXXX, I was not sent a dunning letter, but instead I was sent a bill in the amount of {$1300.00}. I then sent a validation request directly to XXXX, I did not receive the requested validation but instead received a second bill dated XX/XX/2021 requesting payment of the {$1300.00}. This second bill was sent while the debt was under dispute and proper validation was not requested and not yet received.
Company Response:
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A