Date Received: 2023-07-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Debt collection company is to threatening to take legal action which is illegal and unlawful pursuant to the FDCPA 15 USC 1692i ( 2 ) ( a ). As the consumer and natural person, this debt collector head not been given my permission nor consent to contact me using any medium, which shows they violated 15 USC 1962c ( a ). Debt Collector is also in violation is several federal laws such as 15 USC 1692b ( 5 ), which states a debt collector can not utilize any language or symbol on any communication that indicates the debt collector is in debt collection business.
Company Response:
State: IL
Zip: 60607
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Midland contacted a third party regarding an account that they claim belongs to me. The other party contacted me and gave me the phone number to whom they had been contacted by. When I called the number a representative of Midland answered claiming I owed a debt to them.
Company Response:
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Midland Credit has sent me paperwork for this account, but they are bills/statements that show payments were made. There is no contract, no address verification, no name verification, IS or anything sent that provides that this account belongs to me. Statements do not prove that it is me. I am not aware of what account was used to make these payments or anything. The address and the name are slightly off as well. My middle initial is not included as reflected on my credit report and the address is missing a number. Again, please remove this fraudulent account from my report asap. Ive disputed this several times already. Thank you, XXXX
Company Response:
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Midland Credit Management A third party debt collector is reporting inaccurate information on both my XXXX and XXXX reports however it was deleted from XXXX for being inaccurate so the other companies should do the same so that I can get my actual Credit Score I have disputed with you guys several times about inaccurate information on my report as a result I currently am in litigation with XXXX and will attach copies of that as well as screenshots of my credit profile showing 3 different credit scores that make no logical since and I want my REAL SCORE.
Company Response:
State: MN
Zip: 55408
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Once again Im not liable for this debt that you say I owe, You have not showed a direct contract with the financial intitution that says you are authorized to collect for them you are just showing that you bought a debt this does not makes me liable to a third party company this is not a contract. This was a charged off account and is considered income and income can not be reported in a credit report because it turned to a certificate of indebtness. So let me know if they comitted securities fraud or you are violating my rights under 15 usc 1681b because i have never authorized you to furnish your tradeline to my credit report also you dont meet any circumstances to furnish information.
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Company Response:
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On Friday XX/XX/2023 I was served with a civil summons by the Sheriff. In the civil summons I am being sued by Midland Credit Management incXXXX for the amount of {$1600.00}. This debit is not mine, I have no knowledge of this company nor have I ever opened an account with Midland Credit Management XXXXnc.
Company Response:
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX Midland Funding LLC, is a third party debt collector, no contract with them I have. The alleged debt, for which under Pub.L. XXXX, XXXX XXXX, operates in bankruptcy as XXXX XXXX, so XXXX XXXX I owe them anything as they have no proof they XXXX have an original wet ink signature, XXXX served notice for suit and were the holder in due course for the Note. XXXX Notes are Promissory Notes, as written on the front of the Floating Rate Note, aka Federal Reserve XXXX, signed by both the United States Treasurer and the United States XXXX of the Treasury. One can only " pay '' a debt under 12 USC 411, Accord and Satisfaction, with real gold or silver coin, same goes with promissory notes, only dollars can be used to settle a debt, every other debt is XXXX, and pre-paid by 31 U.S. Code 3123 - Payment of obligations and interest on the public debt I was never served notice for any debt, nor sued.
Company Response:
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hello I have flagged my credit report for this debt collection I have no idea who is this for
Company Response:
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A