Date Received: 2020-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have recently filed an identity theft report with XXXX XXXX XXXX For a credit card that was obtained with my personal information that I never applied for. I have submitted documentation to XXXX and they have taken this debt off my credit report. XXXX XXXX XXXX sold this debt to Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Midland Credit Management calls me continuously throughout the day. This company needs to cease and desist their harassment trying to collect a debt that I do not owe is against the law.
Company Response:
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2020-12-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have reached out to Midland since XXXX XXXX, 2020 in regards to an account on my credit report. When I call they inform me my account has been placed with XXXX and their webpage says this as well. I called XXXX and emailed and was told they do not have the account that it was sent back to Midland and directed to contact Midland. Midland still shows it is with XXXX and gives me their number to call. I can not verify this debt and if I was to verify and confirm ownership I am not able to pay it as no one has the account and keeps referring me back and forth. This is causing a hardship on my family and my credit and neither company will give me the opportunity to resolve and gain information requested. I emailed and Called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I do not know where else to turn and will start emailing the support line at XXXX daily until I can receive a response.
Company Response:
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone opened a credit card at XXXX XXXX using my name, social security number and an address from 12 years ago. According to the records obtained by Midland Credit company, whom the complaint is regarding, the account was opened on XX/XX/XXXX of 2019. Whoever opened the account charged multiple amounts to it over the course of three days .... XX/XX/XXXX through the XXXX, at multiple locations in Florida. I only know about these charges because I was provided this information by Midland Credit Company. I never received a credit card statement because of the fake address and never even knew this happened until Midland began calling me, my husband and my mother in law, looking for me and accusing me of owing this debt. I thought it was a scam at first but after repeated calls I checked my credit and the charge was there. I reported this to the credit agencies as fraud and it has since been removed from my credit report. I am a stay at home mom that homeschools her children and my husband and I have worked very hard over the last 12 yrs to acquire and maintain excellent credit scores. This was absolutely not me and the phone calls, harassment and finally being sued by Midland have taken a toll on me and my family emotionally and caused undue stress on us all.
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XXXX XXXX XXXX has a debt from Midland funding stating I owe {$1900.00} and have a judgement against me where they are collecting {$580.00} a month thru my employer which has caused hardship. I can not pay mu rent. I contacted them and said '' there is nothing we can do now ''. But the debt is 12 years old from XX/XX/2009. Virginia has a statue of limitations of 6 years on debt. Secondly I was not contacted before the judgement in any way through mail or by phone.
Company Response:
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a old debt Past Statue of Limitation! Purchased by a 3rd party for pennies on the dollar. Does NOT state Original debt DATE or the Original Debt Company. I don NOT owe this. Will NOT pay for a old debt that is way past Statue of Limitation. These tactics are NOT legal, as they are filling at a Court House that is PAST STATUE OF LIMITATION!!
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Have sent notorized certified letters asking for compliance but no response.
Company Response:
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I requested that this company validate the debt by asking for certain documents including the following ... agreement with the original creditor that authorizes you to collect on this alleged debt the original contract bearing my signature stating that I have agreed to assume the debt, the debt agreement stating the amount of the debt and interest charges, the complete payment history on this account along with an accounting record of all additional charges being assessed, proof that the company is licensed to collect in my state, which is Alabama and the license number and Registered Agent for my state, which is Alabama. I did not receive documents that validates this debt. In addition the company is reporting this account differently with all three credit bureaus, which I disputed and the company verified. Different information with three different companies can not all be accurate so it is very clear that the company verified inaccurate information.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Upon checking my credit I noticed that this collection had been added to my report! I have never heard of this debt collector. I have not been contacted or notified of any debt that has been listed with this company. They sent me no correspondence advising that they own the debt, who the creditor was nor advised of my option to dispute the debt. I called the company 8 times within the last 60 days. ( Calls were recorded )! To find out more information and to dispute the account. I was transferred amongst departments, no information was given. They attempted to fraudulently ask other questions not pertaining to the debt like if I'd moved in the last 12 months, what my previous phone numbers were, if I'd used any other name variations besides my actual name, if I've married or divorced any aliases I might have used and other unprofessional questions rather than just to advise me what the debt was for. I felt insulted and harassed. The Fair Debt Collection Practices Act states that a debt collector must send the consumer a written notice containing the amount of the debt, name of the creditor and a statement stating they have 30 days to dispute the validity of the debt or the debt will be considered valid by the debt collector. Failure by the consumer to dispute the debt within that 30-day time period is not considered an admission of liability. If the agency doesn't follow this process then they have no rights or grounds to collect or report the debt to any credit bureaus and must immediately remove the debt from the consumers credit report. The company didn't contact me within 30 days of assuming the debt and has therefore violated my rights so this needs to be removed from all 3 credit bureaus! I do NOT give the company permission to contact me via telephone, an employer, email or any other means except by US Mail. I have never done business with a company called Midland Funding nor have I ever signed a contract with them so this debt is fraudulent and frivolous. It needs to be deleted effectively immediately with all major credit bureaus. No collection agency can report past due balances, dates of past due balances or payment history. This company has violated several FCRA regulations. Delete immediately or I will contact my attorney to proceed with legal action. This account does not belong to me! I have no idea who this company is. Delete any and all of my contact information effective immediately. DO NOT ATTEMPT TO EMAIL ME! DO NOT ATTEMPT TO CALL ME! DO NOT ATTEMPT TO CALL RELATIVES! DO NOT ATTEMPT TO REACH AN EMPLOYER! SEND ALL CORRESPONDENCE AND PROOF OF DELETION TO MY MAILING ADDRESS ONLY! DO NOT ATTEMPT TO CONTACT ME OR ANY OF MY FAMILY MEMBERS VIA TELEPHONE, EMAIL OR EMPLOYER!
Company Response:
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2020 I pulled my credit reports from the bureaus and they contained innacurate personal information and social security number variations that did not belong to me. I contacted all bureaus to confirm security freeze on my files and update my personal information and dispute all inaccurate information. I disputed a Company MIDLAND CREDIT MANAGEMENT INC for {$2000.00} ( original creditor XXXX XXXXXXXX credit card ). After sending dispute to both Midland and the original creditor, XX/XX/2020 I recieved a letter from XXXXXXXX XXXX that they recieved my dispute and attached a document. The document attached was a letter from the original crditor that was sent to an address that does not/has never belonged to me stating that the debt was sold to MIDLAND CREDIT MANAGEMENT INC. XX/XX/XXXX, I sent a second written request to MIDLAND CREDIT MANAGEMENTINC for validation of the debt requesting original signed contracts and an agreement from me that consented to the sale of this debt and any contracts connecting me to this debt. I recieved no response. I continued to recieve harrasing phone calls several times a day from various numbers to my cellular phone from MIDLAND CREDIT MANAGEMENT INC and at my place of employment even after the request to cease and desist was included in dispute letter # 1 and 2.
Company Response:
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2020, I sent a settlement letter and check to Midland Funding to settle a collection account. The letter stated that in exchange for the 50 % settlement, Midland would remove the account FULLY from my credit reports. The letter was delivered on XX/XX/2020. On XX/XX/2020 Midland cashed the check, and it cleared my account. As of XX/XX/2020, Midland has failed to uphold their end of the agreement, as the collection account is still being reported to the three bureaus and appears on my reports with a balance.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A