Date Received: 2023-08-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I am asking to be removed from my credit report, because they received my personal information fraudulently. The received it from a company that was supposed to protect my privacy. I would like them to provide the 3 signed documents, I must sign before my personal information could be shared. This information can be found under U. S. Code 15 Commence and Trade 6801.
Company Response:
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I told XXXX XXXX XXXX. XXXX other XXXX reporting age not my debt. I asked for proof by a wet signature of mine. They never sent that. Only a paper stating a discount of the debt. XXXX percent off the debt. I told them this debt was removed by XXXX by dispute. On XXXX credit report. The other XXXX XXXX XXXX XXXX. Have been contacted as well. XXXX and XXXX dont do their job. They are in violation of the FCRA. XXXX XXXX XXXX has not proven this is my debt. If this debt was removed by XXXX. That is proof I disputed the debt. And the dispute was won by me.
Company Response:
State: AL
Zip: 364XX
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Midland credit management ( mcm ) garnished my XXXX XXXX XXXX XXXX account and locked all of my accounts with the credit union. I paid Midland credit management on the XX/XX/2023 which was within 24 hours of notification from XXXX XXXX XXXX. MCM was in the process of garnishing my va XXXX which is the only income I receive. I've paid them every cent and they still hasn't released my XXXX XXXX XXXX XXXX. They still have my accounts on garnishment locked. I need my bank account released.
Company Response:
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: MIDLAND CREDIT MANANGMENT has illegally posted an alleged collection account to my credit profile. My report shows that it is an open account and was opened on XXXX with a balance of { {$820.00} }. I have no knowledge of this company, nor this alleged debt. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. Never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. I have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail they have failed to respond to my request. I am responding about a debt that MID LAND CREDIT is trying to collect. A dispute was filed on XX/XX/2023, which was denied through XXXX XXXX. And identified the debt as " account information disputed by consumer, meets FCRA requirements but did not go into further details. I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. A debt collector may not have a legal obligation to provide some or all of the information you seek, even if you request it within the 30-day period. If the collector doesnt give you what you request, that doesnt necessarily mean the debt collector has broken any laws or has given up a legal right to collect from you.
Company Response:
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XXXX I was served a garnishment from an officer at my job ( XXXX tn ) from XXXX XXXX. On the garnishment it list Midland Funding LLc. I revived letters from XXXX XXXX XXXX law office regarding a XXXX XXXX credit card in my name. I dont own this card and have a letter ( proof of fraud ) from XXXX XXXX. I have already followed instructions of XXXX XXXX XXXX and faxed in the letter but on XX/XX/2023 XXXX XXXX XXXX sent a letter with FTC info because they want an affidavit of fraud. Please help
Company Response:
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: A collection from XXXX XXXX XXXX was presented through a civil case in the amount of {$700.00} for a debt my ex husband took out in my name. I am waiting on proof of debt. According to the divorce decree I am not to be held liable for any expenses regarding his motorcycle. I believe this was for a helmet.
Company Response:
State: AL
Zip: 36532
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a Credit Card from XXXX XXXX back in XXXX. I purchased XXXX items. I moved so therefore I did not know how much was bill was for. They stated they sent statements to my old address. I received and continuing to receive debt collections notices from Midland Funding. I wanted to clear this debt but the amount they stated I owe is not correct. I contacted Midland Funding to get the original creditors information a young man by the name of XXXX stated they do not have this information which is false information they would have this information. I told him I was going to get the XXXX to look into this he stated he did not care who I get. I contacted XXXX XXXX, I spoke with XXXX, XXXX, and XXXX who are Senior Manager 's. They stated they sold my account to Midland Funding and my record is deleted from their system. They said Midland Funding would have the bill. Midland Funding only send out letters, they do not send out itemized bill. I do not know what I am paying for. I wanted to get this off my credit. I can not not pay bill without an itemized bill that is the law. If someone request an itemized bill from the original creditor they must provide it. XXXX XXXX stated they deleted my files. How do I know if I owe it. I spoke with both companies on XXXX XXXX XXXX XXXX
Company Response:
State: AL
Zip: 36801
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Called XXXX when received a notice they could not find account number in XXXX stated it was not an account of theirs. Also filed an affidavit with XXXX stating was not my account. Also filed a dispute with major credit reporting XXXX on XX/XX/XXXX which also conducted an investigation and came back to the conclusion this was not my account and was Also removed from my credit report. This was something that came up in XXXX midland funding bought this account I was served papers from them XX/XX/XXXX have also called them in reference to this stating it is not my account and they were extremely rude and unprofessional and I refuse to pay something that is not mine. This account was opened fraudulently there is nothing that has been given to or signed by me at all because this is 150 % not mine. There is no information on anything that was sent to me its all redacted out. But this bill is not mine which I have attempted to explain this to XXXX and they refuse to listen.
Company Response:
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They call me 3 times a day for the last week 2 have asked repeatedly to but put the do not call list they have called repeatedly and I would like for them to stop immediately
Company Response:
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: MIDLAND CREDIT MANAGEMENT claims they have the right to communicate with me via my consumer report however Congress clearly states in 15 usc 1692c that the debt collector may not communicate with a consumer at any time or place to be inconvenient to the consumer. They claim they sent me a letter informing me of my ability to opt out of any sharing of my non public personal information but I never received such letter and this would have to be proven via a signed certitudes mail receipt showing I received such communication that is required by thE GLBA. In addition the debt collector must cease and desist ALL communication across ALL mediums. My consumer report is considered a medium of communication. MIDLAND CREDIT MANAGEMENT also claims communication does not include consumer reports which is false. IT DOES INCLUDE NOT COMMUNICATING THROUGH MY CONSUMER REPORT. I demand MIDLAND CREDIT MANAGEMENT cease and desist this deformation of my character on my consumer report or I will seek legal remedy that I am owed in the form of {$1000.00} per FCRA violation. This is my last time communicating this to midland before I file a civil lawsuit against you for damages caused by these actions.
Company Response:
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A