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 withXX/XX/XXXX XXXX XXXX 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 XX/XX/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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I communicated directly to Midland Funding LLC. I never received any response from them when I asked for verification of the debt.
Company Response:
State: MI
Zip: 486XX
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX and again on XX/XX/2020 I received fraudulent dunning letters from Midland Credit Management ( MCM ) concerning a bill I supposedly owed to " Original Creditor " XXXX XXXX '' -address not shown, bill of {$700.00}. From : On their letter : On their Envelope : " Midland Credit Management No name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. XXXX XXXX, MN XXXX XXXX fraudulent address of MCM is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX/ My letter sent to that address was returned, " Not deliverable as addressed, unable to forward ''. Those letters are signed " XXXX XXXX, Consumer Support Services ''. Probably a non existent person. Checking this firm on the web shows another complaint about their fraudulent practices.
Company Response:
State: WI
Zip: 53227
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX AGREED TO REMOVE THIS COLLECTION FROM ALL CREDIT BUREAUS IF I PAID IN FULL WHICH I DID AND THEY HAVE NOT REMOVED IT FROM XXXX XXXX OR XXXX
Company Response:
State: VA
Zip: 229XX
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: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: MIDLAND FUNDING WAS PAID IN FULL ON XX/XX/20 THEY AGREED TO REMOVE IT FROM CREDIT BUREAUS AND NOTIFY THE COURT COURT CASE # XXXX WITH A LETTER OF SATISFACTION SINCE THEY GOT A GARNISHMENT. THEY WERE TO TO DO WITHIN 30 DAYS OF THE DEBT BEING PAID. THEY HAVE NOT NOTIFIED THE COURTS NOR REMOVED FROM XXXX XXXX OR XXXX! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX THEY NEED TO SEND THE COURTS LETTER OF SATISFACTION AND ALSO REMOVE FROM CREDIT AGENCIES AS PROMISED
Company Response:
State: VA
Zip: 229XX
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: 2020-11-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Credit Management is attempting to collect a significant amount of {$950.00}. This is an outrageous and horrendous amount since I don't owe them that much. I called them and a representative told me this onXX/XX/XXXX. I believe this is coercion because they have also threaten to sue me for the deceptive amount via mail. They have also attempted numerous of times in unwanted times of the day to call me in attempt to collect this fraudulent amount of debt. I believe this is in direct violation to the Fair Credit Reporting Act because of inaccurate amount and the huge count of unsolicited calls made to my personal phone line by this collection agency. They also fail to report the collection to the three major credit bureaus when this account got sold into collections back in XX/XX/2020. This is more than the 90 day period it takes for it be reported as collections.
Company Response:
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I own my property and my House many Issues. The mortgage assignment, dated three months later a mysterious foreclosure filing, Mysterious assignment of Mortgages. lawsuit involving a claim on a property has been filed. XXXX XXXX is connected to Daily calling over and over again. A form of terrorisms, Driving acts violence .XXXX XXXX have used scare tastics recently XX/XX/XXXX XXXX mortgage fraud scams. Recently scammers filed a crimes involving real estate Fraud falsification Foreclosure Trust attempt filed by XXXX XXXX XXXX XXXX. An attempt to steal our stealing our property by Attorney : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Phone : XXXX. XXXX XXXX XXXX .and involvement with MIDLAND FUNDING LLC XXXX XXXX XXXX XXXX XXXX, AS REGISTERED AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX. Property owner information In The city of XXXX XXXX, XX/XX/XXXXXXXX subdivisions, parcel numbers, property boundary locations, lot dimensions, property records, property line divisions, property appraisals, People of XXXX Subdivision aren't treated as the XXXX Community is. The XXXX XXXX XXXX Community. The Ownership boundaries aren't clearly defined or visible. Criminal are building our Homes unlicensed activity recently All the destroyed our trees and removed them from our property with a bull Dozier. Criminals are building the Houses without surveyor. Without permits. The City Not requiring Property owners permits and are crossed over Our Property line, I have preservation to own my own property. The City of XXXX XXXX are stealing the XXXX XXXX property and buildings aren't meeting the standard without meeting their intended character. three house and sever Lots. Most Lots are 50x 100 or 5000 square feet. My mother XXXX XXXX XXXX XXXX for her property. Property was taken by the city out of Probate after her Will was filled shortly later she was found on one of her property. Mysteriously all her probate property and Money disappeared into other people hands.. Family Heirs has been tort and her personal assets stolen. Privileges and Immunities of Citizens, we have been Denial of Rights Under the Color of Law Violation 18 USC Intimidate property this owner by use of their Ordinances, regulations and Court and Real Estate Connections and Debt collectors. Reflect property ownership as directions under article 4 ( 2 ) The City of XXXX XXXX currently Building Lots - the maximum of Land size of XXXX s.f. Structure that is adopted by the County Council. the Special interest of the conservation area Restrict permitted development property rights. Article 4 Permitted development rights protecting the integrity of XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX a new structure. XXXX XXXX requirement Square Feet Lot Size, Lot Width.50 feet wide 100 foot long. All lots fronting a curve shall have a minimum width most are 50 ft wide at the front lot line enough to provide the required lot width at the building line. Article 11 Most Houses in the XXXX XXXX area are built by drug dealers and criminals. Subordinate compared to the rest of the City requirements for building and construction. Width And Area Than Per Square footage and all other dimensional standards Affecting property Land in accordance with Florida Statutes requirements land or houses without planning permission and often take for granted, are brought into the realms of planning consent Article 4 violation pf planning and developing on property below the 60-width standard. Property Land Classification not eligible for building requirements, Interpretation of Florida for building requirements 60 foot only. Irregular shaped Lot Dimension. Not requiring Appraisals or permits in Permits for Requirements trees, property boundaries. Neighborhood real estate and Square Feet Lot Size criteria of lot of information properties. XXXX Exploited by the City Developing Where these rights are unchecked, The XXXX Community of XXXX XXXX Building Permits many of the houses below the min property size to build on. if they do not meet criteria. The City development area to illegally terror property owners. Hire debt collector to legal harassment ; through the County Court System Probate and force them out of their property intentions to abuse of judicial resources. Article 4. It also empowers administer the territories full faith and credit '' to the public acts. property line, to the side area. Violation of the Federal Law provisions. responsibilities and exercise their authority in captivity. Using predatory creditors to pressing property owners out of their land. Using criminals to build the houses because the Land is too small to build on. XXXX XXXX XXXX values ; regulations, character of the property should be adjusted to lower area median surrounding properties and the neighborhood home value is {$150000.00} - XXXX. Historically recognize XXXX citizens, Historic preservation efforts in the community median list price per square foot elevated for most Landowners in the area order to force them out of their property. Setback refers to the distance a house or structure be from a property line. XXXX XXXX area XXXX relevant zone building structure too close landowners property. in XXXX XXXX above Constructed value. Property setbacks can sometimes also prevent a homeowner from extending a dwelling or structure all the way to his property line to his own advantages. First the tree was removed off our property, then some unknown person Applied for a foreclosure after I complained about our trees being improperly remove and our property line violation. Violation of XXXX XXXX, XXXX listed Recently ; XXXX XXXX promotes their listings Unauthorized profile advertising on XXXX. on real estate home value and market, the criminals are following their listing Under Foreclosure files under Debt Collector Mid Land Funding. Under the Jurisdiction. Then some unknown person filed for Foreclosure under Midland Funding Targeted my property, photos, descriptions of the property of my Home. The Florida Constitution Listing our home view history, our detailed real estate on XXXX. The XXXX XXXX homes are owned, territories and invaded by advertising on our lands harmed Owner 's Name, Address, History, Property Deed on XXXX. House or structure Define as part of the plans for developing real proper Building without requiring permits and removing out trees with permits and or setbacks according to property lines threatened injury Violation of protected, rights against legislature invasion Amendment guarantees against state denials. Residential use. Is not fair to the Homeowner information on the property. Minimum width XXXX XXXX area most are not eligible for build so the City in building under the radar and charging above market fees for the property that was built under cade and in built without building our detailed real estate permits by the City Permit depart. for building permits. Zoning minimum Lot requirement. Standards and Rules adopted by the State of Florida Department of Economics development code Land Code Article 11 Section 2 ( b ) Article 11 defense. The City have an obligation to maintain the Residential use property. Development property. Fairly and Equitably Full Faith and Credit shall be given in each by statute each state to the public Acts, Records, and judicial Proceedings of statute of limitations. CSMC 2019 RPL3 TRUST, Attorney : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX, Phone : XXXX. XXXX neighborhoods on XXXX XXXX listing photos detailed real estate. XXXX XXXX FL Building Lots. Building Lots Property Median Size Not steal the property of force out the XXXX but Help the community. Obligation to Maintain Law. Protect each of them against invasion Judgment Correction of defects in papers. Objections in point of law Proceedings Objections in point of law. 405 - Correction of defects in papers. R406 - Motions. 407 - Severance. 408 - Disclosure. R409 - Hearing. 410 - Trial. R411 - Judgment. Landscaping Overlays & Zoning Districts ; 4 - Use Regulations ; The article also discusses obligation to maintain law and order in the event of an " invasion '' or other breakdown of a peaceful union. the United States federal government must guarantee each state a government that is a Republic. The Guarantee clause. According to this clause, should be protected by Color of Law. Such terms Color of Law Sect 18 Violation. Exploitations of the XXXX in my neighborhood and then advertise out property on as if our Homes are XXXX homes for sale property details, and Owner of the property details. The criminal are tracking their activity on the Internet. Tracking us like slaves and animals. https : XX/XX/XXXXhttps : XXXX ... https : XXXX ... https XXXX XXXX XXXX.
Company Response:
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Hello, and I hope all is well. While reviewing the credit profile to XXXX/XXXX/XXXX, the number of uncertain tradelines continues to be placed when the debt is unknown to the credit profile. Midland Funding hired a third-party collection of XXXX to report items on the credit profile. Wanted to satisfy the debt. Customer service refused payment, requested documents, documents sent. If practices failed with refusing payments, as a consumer, my credit shouldn't be compromised. The continued actions have violated the Federal Credit Reporting Act. This is a violation of the law with continued failed practices, which decreases my credit score and creditworthiness.
Company Response:
State: PA
Zip: 17109
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX, 2020 I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported illegally. On XXXX XXXX, 2020, your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. I requested for a reinvestigation as my right under FCRA 611 and on XXXX XXXX, 2020, XXXX did not delete as requested and just updated the accounts for Midland Funding. As relevant proof I disputed these Midland Funding accounts with XXXX, since XXXX had a different name reporting along with my other personal information, as a result XXXX deleted the erroneous Midland Funding accounts from my credit report. I believe I have become a victim of Identity Theft. I have attached copies of my XXXX credit report.
Company Response:
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2020, I sent a letter to this company under the name of Midland Funding LLC for account number XXXX for a balance of {$370.00} reported as an account in collections. I asked them in writing to send me a copy of the signed credit application for the debt from the original creditor with whom I had filed an identity theft report in the past. XXXX months have passed and I have not received a response. Perhaps they replied and the post office is delayed and this is why I waited three months to file this complaint.
Company Response:
State: RI
Zip: 02860
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A