Date Received: 2021-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have recently reviewed a copy of my credit report. I ( Consumer, XXXX XXXX ) notice that there are several inaccuraries on my report that I didn't authorize =. These accounts are violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692d " Any bad debt furnished on your reports is ruining your reputation and its defamation of character. '' I have attached my FTC report, License, and SSC.
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Debt collector Midland funding has added fees and interest to the debt that makes it impossible to pay off. If this isn't illegal, it should be.
Company Response:
State: OH
Zip: 438XX
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: A LETTER WAS MAILED TO MY MOMS HOUSE ( WHICH I DO NOT LIVE THERE ) FROM MIDLAND CREDIT MANAGEMENT SAYING IT WAS A DEMAND FOR PAYMENT AND I NEEDED TO PAY A DEBT IN FULL OR THEY WILL SEND THIS TO AN ATTORNEY IN MY STATE AND GOES ON TO STAY THEY THEN WOULD THEN FILE A LAWSUIT.NOT ANYWHERE DID IT EXPLAIN MY RIGHT TO DISPUTE THE CHARGES.I DO NOT AGREE WITH THE CHARGES AND THE CHARGES ARE WRONG.THERE WAS NO BREAK DOWN OF CHARGES, PAYMENTS XXXX XXXX. THE Fair Debt Collection Practices Act ( FDCPA ) SES THEY ARE TO ADVISE ME OF MY RIGHTS TO DISPUTE, THEY DID NOT.WHAT THEY DID DO WAS THREATEN TO SEND THIS DEBT TO AN ATTORNEY AND SUE ME, ANOTHER TACTIC THAT VIOLATES THIS ACT.
Company Response:
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: midland funcding, llc and XXXX XXXX XXXX have robo harassed me in massive bulk, extorted me to no end, tried multiple times to excuse unlawful behaviour, even stated account info was incorrect- will not remove fraudulent information, and do not care- despite multiple lawsuits from the ftc. They operate out of five different offices, XXXX refutes all claims but has no factual basis backing thier replies. I can send people bills too- doesnt mean they are correct. XXXX XXXX, XXXX, XXXX XXXX XXXX owes this debt. Debt is beyond statute. Other erros remain on my XXXX files- the data does not meet fcra nor fdcpa compliance.
Company Response:
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I received notification from Midland Funding LLC, regarding a debt I allegedly owed, that was placed on my credit report. The debt they were referring to was for an account with XXXX XXXX that was first reported as delinquent on XX/XX/XXXX. I had previously disputed this account as fraudulent several years ago and it was removed from my credit report. Now, years later it just shows up on my report without any warning whatsoever from Midland Funding. I immediately notified the company of the situation and requested the removal of this account from my credit report or provide me with a validation of debt letter that shows the original application & documentation that was provided to establish & verify identity when the account was opened. I was a victim of identity theft years ago and this was one of the accounts involved. It was a lengthy process getting it done and it's frustrating to find out now that it apparently wasn't. I dont understand how a company can just do something like that without reaching out to me first regarding whatever issues they had. This is a good example of an unfair trade practice and borderline crosses the Fair Credit Reporting Act. I thought this was a closed matter, it appears not. Will you please assist me in resolving this matter.
Company Response:
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Company sent dunning letter. I sent a validation letter asking for debt validation which is my right under FDCPA Company sent a letter NOT providing information I requested and ignored validating the debt. I sent a 2nd validation letter indicating they did NOT provided me with what I asked for, therefore, they are unable to validate this debt. I would like for this account to be removed for it is damaging my credit. XX/XX/XXXX and XX/XX/XXXXare reporting this debt which is a FCRA violation because they are reporting information that can not be verified.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I called Midland Funding, they are the Collection Agency for XXXX XXXX XX/XX/XXXX. Midland Funding claims I owe {$170.00}. I contacted XXXX XXXX XX/XX/XXXX after speaking to Midland Funding and they claim this account was paid in full. I thought it was because XXXX XXXXXX/XX/XXXXapproved me for a credit card. So I spoke with both Collector and original Lender. Original Lender said must be an error. Thank you for helping me have this removed.
Company Response:
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: A credit card was opened in my name in 2018 with the wrong address. I am being garnished for XXXX. I contacted my HR to find that Midland funding llc is collecting this money off of a fraudulent acct.
Company Response:
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have recently disputed this account. It was removed and placed back under my Credit. I asked for documentation showing I signed signatures in that name on any documents. No documents or signatures provided signed by me. I am not the account holder nor is it my name. I believe its stolen identity. This is not my account.
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The collection agency is trying to collect on a frivolous debt that isnt owed to them. I have never done business with this company and never received any merchandise from them. There is no contract that is binding me to this company. They have refused to provide proof that debt is mine. They once deleted the debt and added it once more one my credit.
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A