Date Received: 2020-05-28
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: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: MIDLAND FUNDING IS ERRONEOUSLY REPORTING A COLLECTION FROM XXXX XXXX -NEVER BANKED WITH, ON CREDIT REPORT TO ALL 3 BUREAUS FOR XXXX. NUMEROUS ATTEMPTS TO REQUEST VALIDATION OF THIS DEBT WENT IGNORED, MIDLAND NEVER RESPONDED AND XXXX XXXX THE ORIGINAL CREDITOR STATED THEY HAD NO NO NO RECORD OF THIS ACCOUNT UNDER XXXX XXXX NAME AND SS # THIS IS ILLEGAL AND MIDLAND SHOULD NOT BE ALLOWED TO HARASS AND OBUSE CONSUMERS THIS WAY ... MIDLAND FUNDING Account number XXXX .... Recent balance {$7700.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Company Response:
State: CA
Zip: 95116
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I settled this account for less than balance due but is considered paid in full. Their policy is to delete from credit report after payment of in full or settled for less than balance, however this account is still on my credit and has not been removed.
Company Response:
State: AL
Zip: 35950
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious MIDLAND CREDIT MANAGEM XXXXXXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response:
State: FL
Zip: 33436
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: Sending legal documents falsifying an out dated/time to respond to.
Company Response:
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: COMPLAINT ID : XXXX I received a letter from Midland Credit Management stating that I owe them money. *I 've never done business with this company *I do not wish to do business with this company * This company has no signed documentation by me stating I owe them anything I want them to stop reporting on my credit and be removed from my 3 credit reports.
Company Response:
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I want {$1000.00} please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector * Show me your license numbers and registered agent. I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX, XXXX, XXXX, then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was a victim of identity theft a fraudulent credit card was opened in my name with the company XXXXXXXX XXXX XXXX i supplied a theft report to them and they deleted the account from my credit somehow Midland Funding collections Is trying to collect a debt that I never owned
Company Response:
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This collection Agency Midland Credit Management recently sent a letter advising of ALLEGE debt with creditor XXXX. The letter listed a random account #, amount owed, date the account opened, andthe date the debt was charged of. As of now, I am disputing the validity of this debt and I am requesting that XXXX XXXX, the creditor indicated on the letter send me viamail " REAL PROOF '' regarding this alleged debt. Also, Midland has NOT considered the STATUE OF LIMITATIONS which varies per state when they bought this account in 2019.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I made an agreement with collection agency to pay {$350.00} of {$770.00} balance, and account would be removed, however {$350.00} has been paid and account is still showing on all three credit reports.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A