Date Received: 2020-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Funding LLC appears on my credit reports for an account that went into collection. I contacted them to pay the debt and was told they sent the account to a law firm called XXXX XXXX XXXX XXXX and gave the contact info for them. I contacted them and paid the $ XXXX dollars that was owed. I have a letter from XXXX XXXX XXXX XXXX proving I paid in full and owe nothing else. I also received a letter from the Magistrate Court in my area showing the case they filed, but never went to trial, has been dismissed with prejudice meaning they can not attempt to sue me in the future due to the fact that I paid. Now, about a month later, Midland Funding LLC is reporting a debt of {$180.00} referencing the same account number. I called Midland Funding LLC and spoke with a " Mr XXXX '' ( script name for sure ) and asked why are they still reporting an unpaid debt and where did this amount come from? He said its being handled by another dept and attempted to transfer me. After being on hold for about 10 minutes, Mr XXXX came back on and said that dept has left for the day and I should call back the next day before XXXX ; XXXX. I keep getting the runaround from this company. They never attempted to contact me about this {$180.00}, This seems pretty strange to me since I paid in full and have a letter stating such. And I have a letter from the court saying this has been dismissed SINCE I PAID. If Midland Funding LLC feels that I still owe them {$180.00} why dont they send a letter or a bill? No, they just go straight to the credit report. I feel like Midland Funding LLC is attempting to extort money from me they are not owed. They are holding my credit report hostage. Im disputing the debt with the credit bureaus but we all know how that goes. It takes some time. This company does not want people to get out of debt. And in fact they ignore a judges order of dismissal.
Company Response:
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.
Company Response:
State: FL
Zip: 32962
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
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: 02302
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: midland XXXX called my job about a debt after I ask them not to, they said they can call anytime they want and will continue to call my job!!!!
Company Response:
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2020 I received a letter via XXXX from Midland Credit Management regarding a XXXX XXXX XXXX XXXX XXXX '' XXXX XXXX Mastercard. On Monday, XX/XX/2020 I contacted Midland Credit Management via landline at XXXX to inquire about the threatening and intimidating letter that was mail to my residence. Upon speaking with a representative from Midland Credit Management I referenced the statement in the letter that stated " your validation rights as described in our previous letter to you '' I informed MIdland Credit Management that I did not have a contract with them and that I had never heard of them before and nor did I have an other communications from them regarding this matter. I was then put on hold for several minutes only to be told that they had purchased my account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mastercard. When I asked for how much they refuse to disclose that information and threatened to sue me if I did not pay them what they were demanding. I continue to ask them for documentation regarding the validity of the debt yet they refused and said they had already sent that information of which I continued telling them that I did not have any correspondence form them. The letter that Midland Credit Management sent to my residence on XX/XX/2020 was dated XX/XX/2020. The language in the letter was threatening and very intimidating. I don't understand how someone that I have never contracted with nor did business with is able to have my financial information for the sole purpose of extorting monies form me with the threat of suit. These actions sound criminal in nature and should not persist. I do not owe Midland Credit Management any money as I have never contracted with them and did not do any business what so ever with them. On Wednesday, XX/XX/2020 I received a call from an obscure number and when I answered the phone it was someone form Midland Credit Management harassing me and demanding payment, when I asked for validation of the claim they hung up the telephone. I should not be subjected to such invasions of privacy in my owe home where I have the right to be secure.
Company Response:
State: VA
Zip: 20109
Submitted Via: Web
Date Sent: 2020-08-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2020 I made a full payment of XXXX dollars to midland credit management, also known as MCM or midland funding, to pay off a collections that I owed. I then contacted them the next business day because I got a notice of anunagreed amount of XXXX that is still reflecting on the account. The lad told me over the phone that the account was closed and that Id receive some verification/paperwork in 2-3 business days from the day that I made the payment. I havent received any paypaperwork Iam still seeing the XXXX as a charged amount on the account. During this time I went to dispute it on my credit report with XXXX which during this time I found that XXXX had been receiving wrong information on the account for months now. MCM claims that I havent made any payments and that the amount still owed is XXXX dollars. XXXX took MCMs side and informed me that the information that what was reported was accurate. Even though Ive sent them documentation of my payment/payments with MCM.
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2020-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
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: 02301
Submitted Via: Web
Date Sent: 2020-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive reached out to this company for the removal of a collection that was never owed. Ive never been under contract with the company and when I called they claimed that they could not even find the account, resulting in the removal of the collection from my credit report. The collection is now back on my credit report after being removed and negatively affecting my score, putting me and my family further behind during a worldwide pandemic.
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XX/XX/2020, I Called to inquire on a letter received, I proceeded to ask multiple questions but rep started talking to me aggressively repeating to me if I am not going to make a payment then the conversation is done. With every question I asked concerning the debt they say I owed, the answer was she don't know. A couple weeks later, received a letter in mail from a lawfirm In which the debt collector had hired them to seek help in collecting. I called that lawfirm and asked questions. They informed me they had already filed suit on this account with the courts. I was in total shock, I was confused as to who this lawfirm was and confused as to how they were in connection with the debt collection agency.
Company Response:
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A