Date Received: 2021-01-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was contacted by a voicemail left by a XXXX XXXX At XXXX XXXX.XXXX. ( vm attached ) on XX/XX/2021 Upon receipt of This voicemail I Proceeded to call the number provided ( ( XXXX ) XXXX XXXX ). A woman by the name of XXXX answer the phone around XXXX XXXX. on the same day Inform me that I had a outstanding balance with lone that I took out. I informed her That I had no knowledge of any loan that I had out. I Notified her that I would like their address So that I may send them a letter requesting a validation of debt as I was unaware of any debt I had. She stated that she was with a company called Midland and and they were not a collection agency however they were just charged with locating and contacting me. I stated to her that I was unaware of any debt that I like some more information on it so that I may do my research. I also stated that I had the right to request a validation of debt. She responded by saying that she was not going to talk to me about it that I would have to talk to her manager. About time I was transferred over to a XXXX XXXX who claimed he was the director and that their client XXXX XXXX Had contracted them to locate me. I notified Mr. XXXX why The previous representative transferred myself to him And I was requesting an address so that I can send a validation of debt. He stated I should have known I had a loan with XXXX XXXX and if I wanted to talk to them I would have to look up their number myself and call them. Mr. XXXX then informed me that it was pointless to contact XXXX XXXX directly because they wont to talk to me And if I wanted to discuss it I would need to contact a XXXX XXXX that they were the collection agency and he provided me the number to that company. I notified Mr. XXXX at this time that i needed to do my due diligence and contact the company for validation. I proceeded to contact XXXX XXXX and was informed that I did indeed have a debt and that it was sold to a XXXX XXXX XXXX and was provided a number. I proceeded to Contact XXXX XXXX XXXX and was informed that they no longer had the debt and it was transferred to a XXXX XXXX XXXX and was provided a number for them. I contacted XXXX XXXX XXXX and was informed by them that my account was sold to the XXXX XXXX company. I contacted the XXXX XXXX and spoke with a XXXX there. She informed me that they did not currently have the debt and it was sold to Midland. At this time I contacted Midland again and requested to be transferred to Mr. XXXX again via his extension that was provided to me during the previous contact. I notified him of the contacts that I had made and what was discussed with the other companies. He replied with " so you know its yours now? '' I replied that I did not, that the only thing that XXXX told me what that they sold the debt to Midland and that could not verify ownership any longer as it was sold. Mr. XXXX told me that they shouldn't have told me that and that they ( XXXX ) own the debt and they were just trying to help me " make it Right ''. I asked Mr. XXXX what XXXX it right meant? He Stated that if i wanted to take care of it, they would stop the XXXX Officer. I then asked him if they were the Debt Collector? He again stated that they were not the Debt Collector, that they were just going to help me take care of it. At that point I again stated that i would like to know what that meant, and if that meant that I could pay them? He stated that if I was offering to pay it that I was admitting to ownership. I denied that I was admitting to ownership and all I was asking for was the proof that they were legally aloud to collect the Debt under the FTC. He Replied with " here we go, sounds like you have been on XXXX. You don't know what you are talking about! '' Mr. XXXX again stated that we can just take care of this right now. I replied with " I am not even sure what i am taking care of. '' He replied with " come on man. '' I then informed him that if they were truly the collectors of the Debt and it was correct that I was interested in fixing it. However I was not even given an amount yet. '' Mr. XXXX at this point became very agitated that I kept requesting an address to send a verification request. He would no longer let me speak and just kept repeating " just pay it '' and " you should know it yours ''. I continued to inform him that I would like to verify that the information was accurate before I continued. He then advised me check my bank account and that was all the verification that I needed. I informed him that I was simply trying to confirm the information because of the number of different companies that i contacted and all of them stated they sold the debt. He again replied that it was a waste of my time because I knew I went and took out a loan and should remembered it. I informed him again that I wanted verification and reminded him that he stated that he was not the debt Collector and that I was just trying to protect myself. He Replied with " but I will give you a receipt ''. I again informed him that a Receipt was not enough and that I needed to Verify it. And if he was a debt collector than he needed to provide that information to me. Mr. XXXX again stated he was not a debt Collector. I asked what they were then? He replied " that they were not a debt collector '' I asked Mr. XXXX if they were a law firm? His response was " did I ever say we were Lawyers? '' I replied " no, I am just trying to find out what's going on and who i might be possibly paying. '' Mr. XXXX again responded with " so you are admitting the debt is yours? '' I replied with " no that what I am Trying to verify. '' Mr. XXXX then Proceeded to go on an undistinguishable rant about obvious legal action. and being served. I stated that I did not want that to happen, that I just wanted to verify that I am paying the right person. Mr. XXXX again stated that he was not going to provide that information. I responded that unless midland could provide verification that i had nothing further to add. Mr XXXX Became very upset and told me to just pay it, just pay it. you know its you, just pay the XXXX loan. and Then Mr. XXXX Disconnected the call.
Company Response:
State: OH
Zip: 44515
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: My FATHER IN LAW informed me that a collection agency named Midland called him and they were trying to get a hold for me, this was a situations very embarrassing so I decided to contact this collector I requested to do not contact my father in law anymore and I updated my phone number and personal information, I made this for the obvious reason to stop the embarrassing with my father in law. This company continued to contacting my father in law, even when I requested to stop, it was at the point that my father in law asked them to stop calling him and gave them my phone number so they can reach me. One day I received a call form this company Midland Funding/Midland Credit Management, The representative informed me the company was considering legal action against me so I should start paying the debt, he pushed me so bad at the point that he phrase in the would continue contacting my father in law. With this two big threats the representative offered me to enroll in a payment plan so I said yes. I put {$100.00} dollars down and the payments of {$74.00} every month. After this and since I been impacted financially due to the COVID pandemic, I can not afford this payments anymore. I've calling this company for weeks to stop the payments, in every call the representatives said I have to reach " my account manager '' XXXX at XXXX ext XXXX but every time I call this number and extension I get transfer to a voicemail, I already left voice messages but any return call. I feel this is a tactic this company use to prevent the consumers stop making payments. Also I was informed about another bill that Midland Funding is collection something that I fee unfair since they never informed me about it. In one of the calls I recently made to Midland Funding, I was informed that I can not be suit due to the statute of limitations, something that contradicts the representative who called me since he told me the company was considering to file a lawsuit against me.
Company Response:
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: reached out to midland credit management over the phone on XX/XX/2020 @ XXXX XXXX about them reporting information on my credit report thats doesn't belong to me. i asked them for validation of the debt NOT verification of the debt. Im requesting this company provide documents as stated in the letter i sent out on XX/XX/2020, which they have 30 days to provide me with the request that i asked for this company has violated my rights by reporting on my credit report before i had the chance to request for VALIDATION NOT VERIFICATION of this debt. im requesting this company to remove information from my credit report, due to insufficient valid information. also code 1692e ( 8 ) this company has not reported that this account is being disputed documents of what was purchase, detailed invoice of how they cam up with this amount. purchase agreement
Company Response:
State: MN
Zip: 55433
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I submitted a dispute with the company win XX/XX/2020. The company has failed to respond and I am suffering undo stress. I am a victim of identity theft. The total sum of the debt is {$820.00}.
Company Response:
State: TX
Zip: 77033
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. I disputed this debt in XXXX of 2020 with XXXX XXXX XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. MCM Account numbers : XXXX, XXXX, XXXX
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. I disputed this debt in XX/XX/2020 with XXXX , XXXX and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. MCM Account numbers : XXXX, XXXX, XXXX
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have exhausted the consumer resources available and request the assistance of the CFPB in resolving fraudulent, unethical, and criminal intent in credit reporting. Midland Credit Management, despite receipt of evidence from XXXX, a national credit bureau, that these accounts are invalid -- continues to illegally report to the credit bureaus the false accounts which were the subject of a previous CFPB complaint. In their response to the CFPB grievance filed previously regarding these accounts, Midland Credit Management responded, thumbing their nose at the CFPB -- that they would continue reporting the debt, despite the evidence provided. Midland Credit Management stated that they would cease trying to collect, yet Midland Credit Management is operating illegally and arguably with criminal intent by continuing to report these debts to the credit reporting agencies. This type of predatory collection and character assassination is the very reason for the creation of the CFPB. I disputed this debt in XX/XX/2020 with XXXX , XXXX. and after an investigation, the credit bureau concluded that these accounts were incorrect, and it sent notification to Midland Credit Management to cease reporting and trying to collect the erroneous account information. Despite notification and removal of the errors by XXXX, XXXX, Midland Credit Management has continued to report the erroneous information to credit bureaus, and continued to operate in violation of the Fair Credit Reporting Act, 611.5Ai. MCM Account numbers : XXXX, XXXX, XXXX
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX MIDLAND FUNDING XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDLAND FUNDING XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Company Response:
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A