Date Received: 2020-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Every month I dispute account with all 3 credit bureaus letting them know that I never had an account with Midland Funding, Midland Credit Management, I also contact MCM every month to dispute and ask for all documentation including a written signature that I ever did business with them and they never will give me anything. Help me remove from credit reports as MCM changes the account number and company name to keep putting this on my reports. Last date of letter contacting them was XX/XX/2020 account number XXXX, they sent letter back with no documents again for the 5th time and no written signatures. Amount of {$6400.00}
Company Response:
State: AZ
Zip: 85037
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Funding LLC obtained a default judgment against me under false pretense. I tried to get it removed but a Judge, not understanding the law, ruled against me. I was absolutely never served, this is not my debt nor has it ever been proven that it is my debt. Midland Funding LLC has committed Identity theft in my name. And tax fraud. " Attached Documents " Note : I cant find an attorney to take this case.
Company Response:
State: PA
Zip: 17701
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Fraudulent charges made on this account already reported to the credit grantor. some one else used this card without my knowledge.
Company Response:
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never apply for this card n i have people calling me from diffrent numbers about this acccount idk how they got my number
Company Response:
State: CA
Zip: 90201
Submitted Via: Web
Date Sent: 2020-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2020 Midland MCM Collection Agency added a deragatory mark on my credit report per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Company Response:
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-21
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 MIDLAND FUND Collection Agency added deragatory marks on my credit report acct # XXXX per XXXX XXXX. Upon further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection and there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mines. According to the FCRA, ( XXXX ) has violated my rights as a consumer and I'm requesting legal action to remove this account immediately
Company Response:
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2020-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Asset Acceptance claimed in court on XX/XX/XXXX {$11000.00} ... ... Balance as of XX/XX/XXXX {$3300.00}. On behalf of Asset Acceptance, Midland Credit Management ( MCM ) has been garnishing my payroll wages since XX/XX/XXXX. Due to hardship, in XX/XX/XXXX, I filled an appeal against Asset Acceptance and was denied. The Asset Acceptance Representative present in court did not even look at the hardship documents that I brought to court in XX/XX/XXXX. Now due to the pandemic, my work hours have been reduced ; being head of household, I called Asset Acceptance to ask if they would tenatively stop the garnishment until my working hours became regular again, and the answer was no. Due to the dates listed above, Midland Credit Management ( MCM ), on behalf of Asset Acceptance, has been falsely garnishing my wages according to the statute of limitations on credit card debit ; while in court XX/XX/XXXX, they did not present any accout number, nor did they try to contact me prior to the court date. The Asset Acceptance Rep. forced me to go ahead and sign a document although I informed him that I was already under obligation paying a current garnishment ; and could not afford to pay anything else.
Company Response:
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, the consumer, disputed this debt in XX/XX/2020 with XXXX , XXXXXXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and 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 other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. MCM Account numbers : XXXX, XXXX, XXXX
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, the consumer, disputed this debt in XXXX of 2020 with XXXX XXXX XXXXXXXX After an investigation, the credit bureau concluded that these accounts were incorrect, and 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 other credit bureaus, attempted to collect, and has continued to operate in violation of the Fair Credit Reporting Act, ss611.5Ai. I have resubmitted documentation to MCM, per their reluctant suggestion and would like the assistance of the CFPB in resolving this gross negligence in credit reporting. MCM Account numbers : XXXX, XXXX, XXXX
Company Response:
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland funding and XXXX XXXX XXXX XXXX ARE ATTEMPTING to garnish my wages when I wasnt served proper paper work and I have put in a dispute through XXXX XXXX and when I asked for the original signed contract they were not able to provide it
Company Response:
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A