Date Received: 2020-09-24
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: 02125
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has reported negative information to the credit bureaus of a debt with them. I have reached out to them and asked that they provide me with a contract between myself and them or for them to have it immediately removed from my credit file. I never received the requested information, but received a bill with options to settle the above mentioned debt. The name of the company is Midland Funding LLC. They have reported this negative information to all 3 credit bureaus. This was originally reported XX/XX/2018 in the amount of {$660.00}.
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Midland credit management recently filed an case against me. They failed to provide debt verification info pertaining to debt owed and or amount. I have no relationship with midland or valid contract. They are sending mail luckily Ive retrieved from an old address I havent lived at in 2 years. They have violated debt verification letter failing to meet 30 day mark by pursuing attempt to go to court.
Company Response:
State: GA
Zip: 30157
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On or around XXXX XXXX 2020, I received a letter from Midland Credit Management about a supposed debt I owed. I was told to send a written dispute certified mail which I did on or about XXXX/XXXX/2020. I heard nothing since, except the signed receipt from the certified mail that is was received by Midland Credit Management. Then today I received received a dunning notice offering a 10 % settlement. I called company. I asked for debt validation. they would not give me a straight answer and avoided question and just said you have to call this department. Then the individual on phone named XXXX XXXX called me a thief. She said and I quote " if you went into XXXX would you just walk out with a color TV without paying? '' I couldn't believe my ears. I feel like she was a calling me a thief. She said there must be a reason you feel that way. Then she said it is not up to us to prove the debt valid it is up to you to prove you don't owe the debt. Wow then another collector jumped on call interrupted me and hung up. I am asking for proper verification of the debt if that can not be provided then i feel this debt should be zeroed out since it is obviously fraudulent in some way. I also think any negative information on my XXXX should be removed as well. Please help me i am alarmed that a company can do this. My credit is important and needs to be protected from preditory companies like this. Especially when located in XXXX a hot bed for Fraud,.
Company Response:
State: DE
Zip: 19808
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: This company below has been constantly threating and calling me as well as sending me 2 day XXXX envelopes for the past 6 months stating that they will sue me for an old credit card debt. They harass me every single day From XXXX-XXXX leaving messages on my phone, work and relatives numbers and even though I have spoken to them on several occasions telling them I can not make any payments on this old debt. Especially now with covid-19 and money. They still continue to harass me. I went online to check out what other people have been reviewing and it is horrible. I would like for someone to please contact them and tell them to please stop harassing! Company Name : Midland Credit Management Website : www.midlandcreditonline.com
Company Response:
State: TX
Zip: 78415
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I am a victim to identity thrift
Company Response:
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Midland Funding sent a wage garnishment to my employer XXXX aka XXXX of Illinois and my wages were garnished and the amount was collected in full, I am still being harassed and threatened for legal action, I have contacted Midland several times and they give me the run around stating I have to contact another # and dept and I can not get a resolution
Company Response:
State: IL
Zip: 626XX
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A debt validation letter was sent to MIDLAND FUNDING LLC on XX/XX/XXXX requesting a verification of debt owed. A response was received XX/XX/XXXX stating that they were opening a investigation into the matter and that it could take up to 90 days to resolve this issue. An investigation was never requested from MIDLAND FUNDING LLC, but only to send the proper paperwork proving that the debt in question is valid within 14 days of them receiving the debt validation letter, which they did not send to me in the allotted time. Also The Original creditor was XXXX XXXX XXXX XXXX XXXX XXXX, and then you bought this loan from them, after it was charged off according to your paperwork on XXXX. If there is anything signed by me it is a illegal contract which you didn't disclose to me that my wet ink signature paid the loan in full that you bought from XXXX XXXX XXXX XXXX XXXX and that you are trying to gain a 200- 300 % profit off of my signature making the any contract if any null and void from the beginning. I never received goods or services from MIDLAND FUNDING LLC only from XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response:
State: VA
Zip: 22408
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed a complaint against XXXX with you ( CFPB ) once already in XXXX of 2020. You did not do anything to help resolve the matter. XXXX blocked the complaint by saying they could not verify my identity and would not accept the complaint. And oddly, you did nothing to help counter that ridiculous claim. So the complaint stalled. I am reaching out again to ask that you help force XXXX to properly validate items on my credit report, or delete them immediately. I attempted to resolve this multiple times prior to the attempted XX/XX/2020 complaint, and have made many more attempts since XXXX. XXXX simply ignores the request as stated. I have been requesting items on my credit report be validated with original consumer contract documentation. I am requesting this item for both accounts because these accounts do not belong to me. I believe a credit file mix up occurred. If Midland Funding LLC or XXXX XXXX could provide original consumer contract documentation with my signature, or an equivalent, then the matter could be closed. However, I have written to Midland Funding LLC and XXXX XXXX directly multiple times, and they avoided addressing this matter, or ignored it all together. If an original consumer contract can not be provided, than this account can not be validated as belonging to me. If it can not be validated as belonging to me, than it would be fraudulent and inaccurate to report it as belonging to me. Therefore, these items need Deleted Immediately. XXXX continues to " Update '' these items on my XXXX credit report, despite the fact that neither creditor has provided the necessary documents to validate that these accounts belong to me. Credit Bureaus XXXX and XXXX have deleted these items. XXXX, however, does not. It appears to be complete negligence regarding this matter of the part of XXXX. And it has become completely unacceptable. In addition to illegal under the Fair Credit Reporting Act. In addition to XXXX 's negligence on the matter, they failed to respond within 30 days when I sent a request on XX/XX/2020. That alone is a major violation of the FCRA and the items in question should of been DELETED IMMEDIATELY. However, XXXX did nothing and faced no consequences. Attached to this complaint is evidence of these items being deleted from both XXXX and XXXX. More importantly, there are letters from XXXX XXXX ADMITTING they have no documentation on file to validate who opened the account in question. Also attached is documentation from Midland Funding avoiding the request entirely by submitting account statements in place of original consumer documentation contracts. I have been asking for validating documents for over a year! The First attachment is letters to and from the creditors directly in the last 60 days. You can see XXXX XXXX admit they have no validating documentation as to who opened the account in question. You can see Midland Funding LLC deflect the request and respond with no evidence to satisfy the request. The second attachment to this complaint is a handful of letters XXXX sent in the past year to resolve this matter. The Third attachment is Letters sent to XXXX XXXX and Midland Funding LLC at the beginning of 2020. The Fourth attachment is the 2 letters sent to XXXX in XXXX and XX/XX/2020 relating to XXXX failing to respond or act on my request within 30 days. They ignored me completely. This has gone on for too long. These items need deleted immiediately. The evidence speaks for itself. Neither creditor can validate these accounts with proper original consumer contract documentation. They have had multiple chances to provide it and have failed. These accounts are not properly validated as belonging to me. Therefore, it is fraudulent to continue claiming they belong to me and need deleted from my credit report immediately.
Company Response:
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management is trying to collect on a debt that was already paid in full on XX/XX/2020. via my savings account with XXXX bank.
Company Response:
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A