Date Received: 2020-11-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Hello, since XX/XX/2018 someone has used my name and charged me for {$690.00} on XXXX. I have never spent this amount on XXXX and the statement says that I applied for an XXXX card, which I have never done. I have just received the statement for this a couple days ago from the Midland Credit Management and I am not even aware of the address that is on the statement. The address that is under my name is XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX. This is not my address.
Company Response:
State: MA
Zip: 01056
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland Funding is reporting a collection on my credit report. This account is reporting inaccurately. The date of last activity has been re-aged. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. XXXX is reporting the date of last activity as XX/XX/XXXX. XXXX is reporting XXXX is reporting XX/XX/XXXX. Under FCRA section 605 ( C ) Running of the reporting period, Creditors, Collection agencies and Bureaus, if they try and RE-AGE your account, byupdating the date of last activity on your credit report in hopes of keepingnegative information on your account longer, they can be fined {$1000.00} for EACH account. On a collection account the date of last activity should reflect the last date a payment was made to that company, it is also a violation to reporting inaccurate information. XXXX is reporting a balanced owed as {$890.00}, XXXX is reporting {$890.00} and XXXX is reporting {$820.00} Midland is also reporting a past due balance of XXXX on my XXXX report. On a collection account, a collection company can not report a past due balance that is an violation. Furthermore, XXXX is reporting the date opened on this account as XX/XX/XXXX, but is reporting the last payment date as XX/XX/XXXX. There is no way possible that this account was paid on before it was even opened. Also XXXX is reporting the high balance as XXXX but reporting the balanced owed as XXXX that is another violation.
Company Response:
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Will not show where I signed that I owed.I have no known of this account
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a letter from Midland Credit Management on XX/XX/2020 asking me for payment for a old debt which XXXX XXXX XXXX XXXX XXXX XXXX. I do not owe XXXX XXXX any debt. When I called the company to advise them, the person who answered at XXXX Stated it was an old debt and that even though I could not be sued he could report it to my credit. I asked if this is fraudulent. How can he demand money via letter and then threaten me for a debt I dont owe?
Company Response:
State: FL
Zip: 33543
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: 2020-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was checking my credit report and saw that I had a collection on my account from Midland Funding LLC saying I owed a debt of {$1400.00} from a XXXX XXXX credit account. I have never had a credit account with XXXX XXXX ever. I tried to dispute it through credit karma but have not been able to have it removed. I have never received a validation of debt or anything like that. I have never even been contacted by this company.
Company Response:
State: CA
Zip: 94610
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I requested validation of this debt XX/XX/XXXX that they claimed was charged off XXXX in XX/XX/XXXX account number XXXX. As of today they still have not validated the debt or showed any competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay their company. Please provide the requested validation bearing my signature or cease the collection efforts and reporting of this account on my credit reports immediately.
Company Response:
State: RI
Zip: 02920
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2020 I received a summons to appear in court regarding a collection account. The original creditor is XXXX XXXX and the company that purchased the account is Midland Credit Management. XXXX XXXX charged off the account. MIdland Credit Management is sueing me for the full balance owed to XXXX XXXX. In the paperwork, there is a bill of sale that shows when Midland purchased the account from XXXX XXXX, however, the amount paid for the account is blacked out as well as the aggregated unpaid balance of the account as of the cutoff date. I called Midland Credit to request the information and was told by 2 different representatives that they could not tell me the amount that was paid by Midland Credit to XXXX XXXX XXXX for my charged off account. My question/complaint is - does Midland Credit have to by law disclose to me the amount they paid for the account? Is it legal for them to blackout that information on the paperwork that they are using to sue me?
Company Response:
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: So basically, they sent my information to third parties who were never authorized or allowed to have my financial information, and I had never worked for. I do owe the debt, but the contesting means is due to how they went about business, as well as the fact they went to a court without any notification at all and just showed up with a garnishment. And now their lawfirm XXXX XXXX, XXXX XXXX XXXX. has the case, for which they deliberately refused to accept payment over the phone even when I had the entire balance in whole at the time. Refusing to take payment over the phone, and the online credit card system that they have would not accept my cards.
Company Response:
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XX/XX/2020. Spoke with XXXX XXXX XX/XX/XXXX. I called in to try and make a settlement with them. They denied settling with me and also let me know that there was a judgement agianst me that I was never informed of. They threatened to garnish my wages, threatened to garnish against my home and threatened to garnish my tax refund. These people do not even have my name correct and the claim is innacurate.
Company Response:
State: MI
Zip: 495XX
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A