Date Received: 2020-08-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I notice that there was a company Midland Credit Management on my credit report stating that I owed {$960.00}, I submitted a dispute with XXXX on XX/XX/2020, it came back verified and updated. So I sent a letter to the creditor on on XX/XX/2020 asking them to send me documentation bearing my signature. I never received anything from them, so on XXXX XXXX I sent a second letter requesting again, documentation bearing my signature. On XX/XX/2020 I sent a certified letter to XXXX advising them that the Creditor Midland Credit Management failed to verify the debt and ask for the negative reporting be removed. Few days later I received a letter from Midland stating " they have opened a investigation regarding my dispute '' and it will take up to 120 days and they will report to all three agencies to delete the trade line. Well today is XX/XX/2020 and nothing has been removed. XXXX acknowledge that they received my letter that I sent on XX/XX/2020 and they have until XX/XX/2020. Midland Funding allegedly purchase this allege debt from XXXX XXXX without any proof that this debt is mine and is reporting on my credit report and I want to know how XXXX verify this with them, if there is no documentation verifying that this debt is mine. I will send the letter that Midland Credit Management sent to me stating they will have the trade line deleted to XXXX and I hope XXXX delete it right away.
Company Response:
State: NJ
Zip: 08638
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Midland credit management is known for frivolous lawsuits and collection practices. Has raised many red flags in state of calif and arizona.
Company Response:
State: CA
Zip: 92807
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They keep calling me while I am at work and I have asked them not to call me during working hours and they do not listen. They call me at least 5 - 7 times a day.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. 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: 02721
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After checking my credit and receiving a copy of my credit report. I noticed an account that doesn't belong to me. I disputed it with XXXX XXXX as well as the company midland funding for XXXX dollars. The issue has not been resolved and the item hasn't been removed.
Company Response:
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a XXXX XXXX credit card and realize that they were going to charge me {$75.00} to get the card and XXXX every month I decided I didnt want the card and asked for a refund on the {$75.00} they added interest to the {$75.00} did not refund it to me and turned it over to Midland financial I asked for my {$75.00} back and made a deal with them, but I can never do that because their system wasnt working, I called them at least 10 times to try and get this resolved they werent willing to.
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Challenged credit information reported to Credit Reporting Agencies. Requested that Midland Funding, LLC supply me with ( a ) their authorization to collect, ( b ) their authorization to do business or operate in the state, ( c ) proof of the alleged debt, ( d ) a complete account history, including any charges added for collection activity. I requested the aforementioned under 15 USC 1692 ( e ) & 15 USC 1692 ( f ). Midland Funding, LLC has not responded to me within the ( 30 ) days allotted. They have not responded at all. Subsequent to the above I've demanded they remove this false report from all credit reporting agencies ' files. There has been no response. At this point in time Midland Funding, LLC is in violation of the above-stated statutes. XXXX XXXX XXXX
Company Response:
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: recently obtain a copy of my credit report and noticed accounts i did not authorize
Company Response:
State: MD
Zip: 21220
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i used to have a credit card with XXXX XXXX XXXX, and used to pay all my owed amounts on time, never been late once. but suddenly i received a letter saying that i Owe them {$3600.00} to the collection company MIDLAND CREDIT MANAGEMENT, they did call me more than once and i told them that i did already reported to the bank that i lost my card and it had been used in different countries internationally which i have never been there and the bank said that it has been used card present so it is not online which proves that it is not me!! but they forward the account to this debit collector and they keep asking me to pay it or they will move forward and i did tell them the same info and they provided me with alot of letters and cases opened in the court against me!!! i have my passport that can prove that i am here in the USA and even when i travel, i didn't Travel to these countries that the card is used at, what should i do? all the transactions occurred in 2018 .if you can see any recorded calls with the bank, you will see that i did report them with this info since 2018 till today more than one time
Company Response:
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: The first I herd about this debt was XX/XX/20 I called and tried to work with them, I never heard back from them until XX/XX/20, Once again I tried to work with them I first spoke to a XXXX XXXX at MCM he gave me the option to pay today or send my account to an attorney XX/XX/20 I explained to him one day is not a reasonable time to give someone to pay a lump sum or be sued without notice. XXXX advised my they received my account XX/XX/20 and it was going to an attorney XX/XX/20. I spoke to his Manager XXXX XXXX who was very rude and unprofessional asking me personal questions that had nothing to do with the account, he then stated he was sending my account to an attorney tomorrow because I'm refusing to pay, I explained to him i was not refusing to pay on an recorded line he stated i was, I just don't understand how you can threaten to sue someone without proper notice. I'm sure this has to be in some kind of violation.
Company Response:
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A