Date Received: 2021-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Midland Credit Management Inc ( MCM ) {$360.00} I received a letter from Midland with an attempt to settle a debt in XXXX XX/XX/XXXX in which I immediately sent a validation of this debt to on XX/XX/XXXX. Certified receipt of the item was XXXX which is attached. Clearly stated what I wanted the Collection agency to verify. XX/XX/XXXX they sent another computer generated settlement letter and failed to validate within 30 days of my letter sent and computer generated verification but no information on what I was asking them to provide me to validate this debt. XX/XX/XXXX I sent a no response letter to Midland stating again what they failed to provide me. Letter received at the XXXX of XXXX dated XX/XX/XXXX asking me to provide them what is inaccurate.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In late XX/XX/XXXX, Midland Funding filed a lawsuit against me in XXXX XXXX XXXX Court in Arizona, which involved junk-debt purchased by them that was beyond the statute of limitations. I addressed the fact that it was past the statute of limitations with the court. In XX/XX/XXXX, I was startled to discover that a judgement had just been issued by the court on this case. This is something I was not made aware of beforehand, as is necessary with the filing of a motion for a judgement. As can be seen in the court activity which I have attached, I have always responded to the court, when I am notified. I would have then obtained an attorney, as they continued to attempt to collect on something which was past the statute of limitation. At the time, the only documentation I had received was regarding another case they had brought against me at the same court. This was also a case which was beyond the statute of limitations, which I immediately addressed with the court. Midland Funding is a predatory company.
Company Response:
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have an account on my credit that has a different social security number on it it is not my sos.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: midland funding has not responded to my 609 and 611 letters for deleting incorrect info but they are still reporting false info dates ; XX/XX/2020 amounts is XXXX
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: date : XX/XX/2019 amount : {$620.00} company continue to wrongful report false amount
Company Response:
State: WI
Zip: 53209
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
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: 02302
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2020 I filed a complaint against Midland Funding. I was told in my first complaint to contact XXXX XXXX at ( XXXX ) XXXX ext XXXX. Well I have try several times to call her and get things settle. They do not answer the phone or even call me back. Why am I told to call someone to help me with this matter to only get ignored. I dont understand when someone is trying to settles their debt and cant get any help.
Company Response:
State: CA
Zip: 93304
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
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: 027XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I lost my job at the time and let them know my situation, I tried to resolve the matter with small incremental payments but I then moved and the account got sent to collections anyway and is now hurting my credit and not allowing me to finance a vehicle.
Company Response:
State: OR
Zip: 97501
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Company Midland Credit Management sent a dated letter XX/XX/2021 given me until XX/XX/2021 to pay them {$1800.00}, or they will file a lawsuit against me. I do not owe this bill or have I ever authorize to do any business with this company. I was not aware of this company until I received the letter on XX/XX/2021, this company is not reported on any of the three credit bureau on my annual credit report. This is not my account and I do not owe this bill or this company.. I recently became aware of my personal information was compromised in the XXXX breach and recently file a fraud report with XXXX bureaus reporting Fraud on my credit report. My personal information was also on the dark web. Please investigate any original documents with this company Midland Credit Management, and remove from my credit report. I do not recognized this company or a this $ {$1800.00} bill they are threading to file a lawsuit against me.
Company Response:
State: AR
Zip: 72223
Submitted Via: Web
Date Sent: 2021-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A