Date Received: 2020-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Since XXXX of 2020, I have been repeatedly called by Midland Credit from the numbers ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. They are looking for my mother. I have told them that I am not her and to stop calling me.
Company Response:
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX, I submitted dispute letters to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to verify alleged debt ( Midland Funding LLC AC # XXXX ) in accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ). XX/XX/XXXX, Midland Credit Management sent a letter to me. The letter stated " We have received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. We have also enclosed documents regarding the account. In order for us to further investigate your inquiry please provide the following documentation : Written explanation and documentation any errors in our account information On the opposite side of the letter, MCM 's supporting document was Basic Information with original creditor, original account number, current creditor, MCM account number, charge-off date and current servicer. No original account level documentation was included per dispute letter. MCM requested the consumer submit documentation. XX/XX/XXXX,XX/XX/XXXX XXXX Report # XXXX ) deleted Midland Funding LLC ( XXXX ). XX/XX/XXXX, XX/XX/XXXX ( via XXXX XXXX ) closed Midland Funding LLC XX/XX/XXXX, XX/XX/XXXX ( via XXXX XXXX ) closed Midland Funding LLC XX/XX/XXXX, XX/XX/XXXX ( via XXXX XXXX ) closed Midland Funding LLC XX/XX/XXXX, Midland filed a lawsuit against me. The file includes an affidavit of XXXX XXXX, legal XXXX for MCM stating to reviewed electronic data of the alleged debt and copy of statements. Pre-trial was scheduled for XX/XX/XXXX. The plantiff MCM, counsel XXXX XXXX, was able to state their case. The judge XXXX XXXX XXXX had presumed that MCM 's claim was valid and correct. As the defendant, I was not given the opportunity to state case and was discouraged to speak further. Trial set for XX/XX/XXXX. MCM was notified via dispute letter to verify the debt as legitimate. MCM stated it was verified by their account notes and supporting documentation. If MCM had the original account level documentation, they should have submitted the documentation to the credit bureaus. MCM did not have the documentation. Instead they are using intimidation tactics such as a lawsuit to further collect debts. As a result, XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX removed Midland Funding LLC from my consumer credit report for failure to comply with FCRA. In addition, MCM failed to comply with FCPB Consent Order and continue to conduct themselves against the Consent Order, which is being followed by CFPB lawsuit. Per the CFPB Consent Order ( FILE No. 2015CFPB-0022 ) : Page 9 of 63, item 32 - Sellers typically have not provided Encore with any Consumer-level documentation Page 9 of 63, item 35 - sellers have been unable to provide documentation to Encore evidencing Consumers ' responsibility for Debt Encore was collecting Page 10 of 63, item 36 - Encore has received an average of 30,000 written disputes and complaints and XXXX oral disputes and complaints directly from Consumers in a typical month. Another approximately 100,000 Consumer disputes through e-OSCAR used by Consumer reporting agencies regarding XXXX disputes. Page 10 of 63, item 38 - Encore has directed personnel responsible for handling these disputes not to investigate the disputes by requesting documentation from sellers but rather " [ i ] inform the consumer that proof is required to support their claim. '' Page 14 - 17 of 63, item 54 - 64 Encore accused of Robo-signing sworn Affidavits.
Company Response:
State: MI
Zip: 48150
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hello, I have reported several times that I was a victim of identity theft my freshman year in college in XXXX the ending of my Fall and Summer semester. While on winter break from college before XXXX XXXX XXXX I received all kinds of letters about bounced checks written In Florida, Alabama and other places I had no acknowledgement of. One store in particular was XXXX XXXX XXXX XXXX of the many. I worked in high school instead of graduating a year early and saved up for college my XXXX and XXXX year. I banked with XXXX XXXX. The account was in good standings and closed out before leaving off to college in XXXX, Florida XXXX XXXX XXXX XXXX XXXX. XXXX, Florida didn't have a XXXX XXXXXXXX XXXX. When I returned to college after Winter break of XXXX, I did the police report. I was sent on a run around from XXXX police station on campus where I had cleaned out my on campus apartment before leaving the break of and reported among the belongings discarded were old checkbooks in an old wallet I had from high school. I had no health insurance during my freshman year, I had to use the on campus clinic free to students. I had no money or {$50.00} bill reported to the police in the wallet and I had no credit cards. Yet, when I reported the prior false garnishment of wages in XX/XX/XXXX which was sent to my job XXXX XXXX XXXX, I had to request the police report from XXXX. I was given the run around again. I was sent a police report which had inaccurate reporting which resulted in these present false garnishment of wages. Also due to the inaccurate and timely handling of my identity theft report in which I reported to all police authorities in XXXX when given the runaround back in XXXX as I attempted to handle the situation, I was told that there were warrants out for my XXXX in later XXXX which resulted to me being falsely XXXX behind the bounce checks after I reported the issue to the police stations. I had to back then report it to my bank XXXX XXXX and the bank did the investigation again, and cleared me. Those documents were provided to XXXX County Courts and the cases for the fraudulent checks were thrown out. Now due to a police report in which I never saw or received a copy of at the time of all this, I am being targeted and harassed within the last 2 years in my virtual workplaces with attempts to collect on credit cards I never owned. Obviously someone opened card cards in my name too with my personal information. The latest garnishment was sent today XX/XX/XXXX by mail for a XXXX credit card claiming I owed {$3000.00} from XXXX which is false. On top of an inaccurate police report which has caused more problems for me. New case of identity theft Case No # XXXX company Asset Acceptance L.L.C. sent to XXXX XXXX where I was harassed and targeted and didn't know anything about this garnishment that had been sent. Mailed out and served to me on XX/XX/XXXX and I received it by mail XX/XX/XXXX. I spoke with XXXX XXXX XXXX who opened a dispute and I was instructed to email her all information at XXXX XXXX XXXX. Phone number XXXX.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-02
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Approximately a month ago I received a call from Midland Credit Management Inc. I advised that I had moved an not received a validation notice. In the same call I advised that I could receive calls at work - several times I told them this. Today I received a call from a XXXX XXXX at XXXX XXXX. I again told him that I can not receive calls at work. He would not let me get off the phone after telling him that I had already advised them of this and that this was an FDCPA violation. He continued to become harassing. He also did not verify who I was. He only asked for my name and calling my work. He would not listen after telling him over and over I can not talk at work. He continued to attempt to collect after repeatedly telling him that he can not call me at work as it is an inconvenient place.
Company Response:
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2020-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.
Company Response:
State: MA
Zip: 02780
Submitted Via: Web
Date Sent: 2020-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've made numerous attempts to communicate with Midland about this debt that supposedly belongs to me. I have never signed any legal documentation to pay midland credit or the company they say they represent. They have failed to supply that information. The only information that they have supplied is a copy of a statement.
Company Response:
State: TN
Zip: 37716
Submitted Via: Web
Date Sent: 2020-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I do not have a contract with this company. These people are trying to make me pay money that I do not owe and continue to harass me.
Company Response:
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi, how are you? Why is a collection shows past due and late payments? I thought by default a collection is by default late and past due. It's a violation of fcra and fdcpa and it's illegally re-aging this account. 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 XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My third request in attempt to obtain verification from a debt collection agency about a consumer debt I'am disputing.. A certified letter ( was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I request verification from a debt collection agency about a consumer debt I'am disputing. A certified letter was mailed on XX/XX/2020. As of to date, more than 30 days later, I have not received any correspondences from the debt collection agency.
Company Response:
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A