Date Received: 2023-09-25
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Midland Funding is claiming that I owe a debt that I know nothing about. I have tried to get this handled on many different occasions. Please see the attached letter from the original creditor stating that they could not verify the account. Also attached is my initial complaint to the company naming Midland Funding and the account number listed on my credit report. I have already informed Midland when they would call me that I did not have a debt with this company. Midland along with the credit reporting agencies are in violation of many FCRA and FDCPA regulations along with negligence. At this time, I am only requesting the removal of the account MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX ) XXXX. I do know that I am entitled to {$1000.00} per violation.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: It's an old account from XXXX at that time balance was XXXX now they say it wasn't paid off and a different addresses and a different balance
Company Response:
State: MS
Zip: 389XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am rquesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as a consumer. The three accounts below are listed as collections on my credit report : Midland Credit Management/XXXX XXXX Midland Credit Management/XXXX XXXX Midland Credit ManagementXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within four days from the date of receipt of this notice. I look forward to your response. Thank You
Company Response:
State: NV
Zip: 89801
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested documents from the bureaus and i have been ignored
Company Response:
State: TX
Zip: 78573
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: was not aware of court proceeding. Was not served. Received letter of judgment and wage garnishment. contact midland funding LLC. they requested. Identity Theft Victim 's complaint and affidavit
Company Response:
State: NY
Zip: 11419
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I am very confused. I owe a credit card company money. I know the sold my debt but they couldnt tell me to who. I get a letter that is water logged and not readable. When I called the number of XXXX from online. Not one representative gave me an ID number. They kept pressuring me to make biweekly payments saying my offer ends tomorrow, XX/XX/23. Then decided to give me an extension. Something does not feel right. Is this a legitimate company? The number I called is ( XXXX ) XXXX the email address they sent to me is XXXX. Im very confused by the whole situation. Especially no one could give a NMLS ID. Also, told me they only take ACH payments via credit or debit but only master or visa. I just want to triple check their legitimacy. The other companys both collectors and creditors always give an ID and none have approached the situation like this. I am extremely weary and intimidated by their tactics. Thank you for your time and can not wait to hear your thoughts about this company and the way they handle collections. XXXX XXXX
Company Response:
State: CA
Zip: 90404
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX Midland Credit Management filed a summons stating that I owed them {$1400.00}. Midland Credit Mgmt is a 3rd party collector who purchased my account from XXXXXXXX XXXX on XXXX I made my last pymt in the amount of {$560.00} to XXXXXXXX XXXX on XXXX, before Midland Credit Mgmt bought the account. I have never signed a contract or verbally confirmed that I owe Midland Credit any money. My agreement was with XXXXXXXX XXXX until they sold the account to this 3rd party collector. All they've presented is a Bill of Sale to purchase the account. I sent a demand letter to request proof of contract w/ a certified copy of an authenticated original contract between me and Midland Credit on XX/XX/XXXX, giving 15 days for them to respond. I sent this letter certified return request that proved that they received the letter on XXXX They have not responded, and are continuing to force mediation to push me into agreeing that I owe them this money. In the letter, I stated my rights under FDCPA to dispute the alleged account, as well as the law that states that before they collect any information, about me, they must get my authorization to access my credit report for any reason. I would never give a collection company permission to slander me on my credit report. I followed this comment writing out this law word for word. I then asked them to notify me in writing that they have ceased all collection activity and deleted all information they furnished to all credit reports to which they submitted this unverified and un-validated information. All requests have been ignored. If they keep ignoring my rights under FDCPA, I will continue my complaints to XXXX XXXX Federal Trade Commission Attorney General Possible law suit for harassment, fraud, extortion, and invasion of privacy.
Company Response:
State: CO
Zip: 80127
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: i had numerous phone calls asking my name and to verify my personal information with out them identifying who they are. they dont identify themselves as a person or from which company. all they say when i pick up is may i speak to me and it is regarding a buisness matter and when i ask who is this they dont confirm who they are i keep getting several of these calls in a day and throughout the week i believe that it could be from midland credit managment they are the only known ones that have been contacting me with mail about payment plans
Company Response:
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: According to 15 USC 1681 ( A ) ( E ) the term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mold of living, is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer 15 USC 1681 subdivision ( a ) accuracy and fairness of credit reporting. consumer reporting agencies have assumed a vital role in assembling evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agency exercised a grave responsibility with fairness impartiality and respect for the consumers right to privacy. 15 USC 1611 criminal liability for willful and knowing violation. whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issue there under. 15 USC 1682 ( B ) In general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates, and I gave no one my written permission to write anything on my consumer report. 15 USC 1681 I procedure in case of disputed accuracy ( 2 ) prompt notice of dispute to furnisher of information Before the expiration of the five-business days. Beginning on the date on which a consumer reported agency receives notice of a dispute from any consumer or reseller in accordance with paragraph one the agency shall provide notification of the dispute to any person who provided any item of information and dispute had the address and, in the manner, established with the person the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller ( A ) If after any reinvestigation under paragraph XXXX of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modified it item of information as appropriate based on the results of the reinvestigation and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer I feel that I have been violated of my rights and that each consumer reporting agency has to notify each other of the inaccuracy per the XXXX XXXX and I feel that you guys are not communicating with each other as in closed are all of the inaccuracies that I asked you to investigate on my behalf and I gave no one permission to write any of this on my credit report which is against the law product XXXX and FD CPA my rights are being violated and I asked that you fix these inaccuracies as this is my second attempt to show you that these inaccuracy are across all three credit bureaus I'm just a regular person who knows and understands the laws and my rights as a consumer I have a right to privacy I have a right to have everything reported on my credit report 100 % accurate per the fair credit reporting act written by XXXX and I ask that you please remove all and I mean every single inaccuracy and delete them he immediately before XXXX XXXX of litigation and I asked that you every single inaccuracy off of all three credit reports as you are bound by law to cooperate with the consumer and talk to each other XXXX XXXX and XXXX so that you can delete all of the inaccuracies on my credit report I, being a natural person in fact a national person, a private person, a living soul, a consumer and secure party and not a statutory person residing in the state of New York in the country of XXXX called XXXX XXXX do hereby solemnly declare say and state XXXX secure party is hearing everything stated in this truth affidavit is the truth the whole truth and nothing but the truth and all stated is true correct complete and not missing or misleading. NO THIRD PARTIES ALLOWED. PLAIN STAEMENTS ABOUT THE FACTS : FACT, the truth in lending act is intended to inform consumers about the cost of credit. FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) SRM Is in violation of XXXX XXXX XXXX ( C ) ( A ) a debt collector XXXX not communicate with a consumer in connection with the collection of any debt. FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) that XXXX is in violation of XXXX XXXX XXXX ( B ) ( XXXX ) AND ( B ) ( XXXX ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR XXXX XXXX XXXX D ( XXXX ) A debt collector XXXX not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section. IN TRUTH I XXXX XXXX FEEL OPRESSED AND ABUSED AS SOURSE RECIEVIBLES MANAGEMENT AND ITS AFILIATES HAVE SENT ME XXXX LETTERS WITH DIFFERENT AFFILIATES NAMES SUCH AS XXXX XXXX XXXX, MIDLAND CREDIT XXXX, XXXX XXXX XXXX XXXX THIS IS ABUSE IN ITS XXXX EXTENT I HAVE NO CONTRACT WITH ANY OF THE COMPANIES LISTED ( XXXX ) the use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader XXXX XXXX XXXX XXXX Section ( XXXX ) Any debt collector shall not state that such consumer owes any debt. Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( XXXX ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. XXXX XXXX XXXX C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector XXXX not communicate with the consumer in connection with the collection of any debt. abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt XXXX abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem. A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. And for these reasons under the law, you have violated my rights several times. I've never had any contract or have NEVER done business with your company, nor will I ever do business with your company, I ask that you validate this dept I need the date and time this account was opened, all documentation concerning this account, any signatures in my specific hand writing the date closed and the date that this account was charged off also I didnt give you my XXXX written permission to contact the credit bureaus about this account under the FCRA XXXX XXXX XXXX A ( XXXX ) THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITY WITH FAIRNESS, IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY XXXX XXXX XXXX A permissible purpose of Consumer Reports and the general subject to subsection C any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other in accordance with the written instruction of the consumer to whom it relates. XXXX are not allowed to contact third parties to discuss a debt unless they will give him express consent by the debtor the only reason they XXXX legally contact a third party is to attempt to locate the individual who owns the payment they XXXX also not contact repeatedly or harass these third parties you guys at source XXXX XXXX are in clear violation of my rights as a consumer I gave no written instruction XXXX you guys to write anything on my credit report therefore you have XXXX business days from the receipt of this affidavit to remove any remarks that you have put on my credit report and delete it expeditiously if you do not remove any remark that you have placed on my consumer report you will have to pay me {$5000.00} for not following the instructions in this affidavit and within those XXXX business days I expect to receive all the documentation regarding this account which is clearly not mine XXXX is clearly in violation and this is a crime that the are committing they need to be held liable under the law XXXX XXXX XXXX XXXX CIVIL LAIBLILTY clearly states ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. XXXX XXXX DISREGARDED ALL OF MY MAILED AFFIDAVITTS TO IT AND ITS AFFILIATES AND INSO DOING HAS VIOLATED THE LAWS THAT GOUVERN THE DEPT COLLECTION AGENCIES in all the evidence i have sent you concerning this matter XXXX should pay for all of the violations listed above A debt collector in collecting a debt, XXXX not harass, oppress, or abuse any person. Specifically, a debt collector XXXX not : Use or threaten to use XXXX or other criminal means to harm the physical person, reputation, or property of any person.
Company Response:
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I had a XXXX XXXX credit card which I used frequently. I became XXXX during the pandemic and had to stop working. My XXXX XXXX payments were delinquent and XXXX XXXX sold my account to a third party collection agency who were extremely aggressive and disrespectful to me over the phone. I asked the representative to help me pay a lower amount to use whatever workout plan that Midland had for customers who were in hardship from the pandemic. He said they do not have any such thing but could offer a discount of only 10 percent if I paid XXXX XXXX monthly. I was unable to keep up and the 10 percent was placed back on my balance. They sent me a schedule to pay XXXX dollars per month for 18 years. I can not afford this either.
Company Response:
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A