Date Received: 2022-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/2022 XXXX. AFFIDAVIT OF TRUTH XXXX. NOTICE TO ALL, I AM THAT I AM, THE CONSUMER IN FACT, NATURAL PERSON, ORIGINAL CREDITOR, LENDER, EXECUTOR, XXXX, HOLDER IN DUE COURSE FOR ANY AND ALL DERIVATIVES THEREOF FOR SURNAME/GIVEN NAME XXXX, XXXX AND XXXX HAVE BEEN APPOINTED AND ACCEPT BEING THE EXECUTOR BOTH PUBLIC AND PRIVATE FOR ALL MATTERS PROCEEDING, AND I HEREBY CLAIM THAT I WILL D/B/A XXXX, XXXX AND AUTOGRAPH AS THE AGENT XXXX ATTORNEY IN FACT, SO BE IT Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only whoever that may be, and I depose the following facts, so be it, now present : XXXX. FACT, THE FAIR DEBT COLLECTION PRACTICES ACT AS WELL AS THE FAIR CREDIT REPORTING ACT IS INTENDED TO SECURE MY RIGHT TO PRIVACY AND MY PRIVACY HAS BEEN BREACHED SO BE IT, AND XXXX. FACT, I AM SURE THE REMOVAL OF MY INFORMATION FROM THE MIDLAND CREDIT MANAGEMENT WEBSITE, COMPANY RECORDS, OR ANY AND ALL DERIVATIVES THEREFORE, OF, AND/OR WITH ANY AFFILIATES WILL ENSURE MY PRIVACY RIGHTS WONT BE VIOLATED AGAIN DUE TO MY LACK OF CONSENT AND THIS HEREIN AFFIDAVIT OF TRUTH STANDING AS TRUTH IN COMMERCE, SO BE IT, AND ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and : Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Midland Credit Management is in violation of 15 USC 1692b ( XXXX ) Fact, affiant tried to solve the matter with Midland Credit Management outside of court in regards to the abuse that is being cause by the use of obscene and profane languages as well as the injury and damaged that is being done to the consumers reputation. Presented in Exhibit C, Exhibit D as well as Exhibit F. Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit XXXX, Exhibit H, Exhibit I and Exhibit J that Midland Credit Management is in violation of 15 USC 1692b ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit B that Midland Credit Management is in violation of 15 USC 1692b ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B as well as Exhibit XXXX that Midland Credit Management is in violation of 15 USC 1692b ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Midland Credit Management is in violation of 15 USC 1692XXXX ( a ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A and Exhibit B that Midland Credit Management is in violation of 15 USC 1692c ( a ) ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit XXXX, Exhibit H, Exhibit I and Exhibit J that Midland Credit Management is in violation of 15 USC 1692d ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B and Exhibit XXXX that Midland Credit Management is in violation of 15 USC 1692d ( XXXX ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit A, Exhibit B, Exhibit XXXX, Exhibit H, Exhibit I and Exhibit J that Midland Credit Management is in violation of 15 USC 1692XXXX ( XXXX ) ( a ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit XXXX, Exhibit H, Exhibit I and Exhibit J that Midland Credit Management is in violation of 15 USC 1681s-2 ( a ) ( XXXX ) ( A ) Fact, affiant is aware and has proof in the attachment labeled as Exhibit E, Exhibit H, Exhibit I and Exhibit J that Midland Credit Management is in violation of 15 USC 1681s-2 XXXX a ) ( XXXX ) ( B ) ( i ) Thank you, XXXX. I SWEAR TO ALL INFORMATION PROVIDED HEREIN, I DO SO UNDER THE PENALTY OF PERJURY THAT THE INFORMATION I SO AFFIRM TO BE TRUE, CORRECT, ACCURATE TO THE BEST OF MY ABILITY AND KNOWLEDGE, SO BE IT ; On the date of XX/XX/2022 XXXX, XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as a flesh and blood living being ( non entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX XXXX. In XXXX of XXXX I was a victim of Identity theft. When I applied for my unemployment benefits for the month of XXXX an unknown person had taken my identity, changed my email address and stole my benefits for the month of XXXX. I was unaware of the identity theft until I went to Career Link to apply for employment, and they noticed I had a second email address and a resume with false information that I did not recognize. I notified the PA Unemployment Office immediately. I was told that an investigation will be performed. In XXXX of XXXX, I received a letter from XXXX XXXX stating that I owed {$1100.00} to Midland Credit Management Inc, a collection agency. When I contacted Midland, they told me that they were attempting to collect a debt that was owed to XXXX XXXX Bank. I let them know that I have never owned a credit card from XXXX XXXX Bank. Midland gave me the phone number to call XXXX XXXX Bank. I also received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX of Pennsylvania stating I have to appear in court on XX/XX/XXXX, at XXXX. in reference to this debt that I never acquired. I was then told to report this to the Federal Trade Commission online and it has led me to this website.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have reached out to XXXX and also to the collector MIDLANDCRE regarding the account in question. They are reporting this account as an open account and reporting the payment history as " OK '' in the history section. however in the account status they are reporting this as derogatory account/ collection account. I was trying to investigate this account but there is not an original creditor listed for me to reach out to to validate this debt. Please have this account removed as it is hindering my credit and i cant validate this.
Company Response:
State: TX
Zip: 78702
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company MIDLAND FUNDING is trying to collect {$640.00} from me for a bill they claim I owe. I have sent a written demand that they comply with the Fair Dept Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) by providing me with a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' As of this date, they have ignored my requests for debt validation and has provided nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.
Company Response:
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MIDLAND CRED bal. {$2500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In response to MIDLAND CREDIT MANAGEMENT : This company has obtained my information from XXXX XXXX unlawfully. I did not give them my consent to have access to my information. They received my information from XXXX XXXX XXXX which means they've engaged in aggravated identity theft. XXXX XXXX knowingly transferred, without lawful authority, a means of my identification. Furthermore, I am the original creditor of the account and I do not validate any debt that is allegedly owed. According to the FDCPA only a consumer can validate such debt, which makes their statement of me owing a debt and the debt being valid is very much an invalid statement. Therefore, the alleged debt is NOT valid nor owed by me, the consumer/natural person. They also state that they were advised by credit reporting agencies to furnish such information on my consumer report, which is a violation of the FCRA. This company did not have permissible purpose to furnish anything on my consumer report. They did NOT receive my written instructions to furnish such information on my consumer report and I have never engaged in ANY consumer credit transaction with them, therefore they are violating federal law. I have never had a contract with this company, therefore I am being taken advantage of by MIDLAND CREDIT MANAGEMENT.
Company Response:
State: NJ
Zip: 082XX
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I recently was informed ( after a title search on my property ) that there was some judgement ( I was never aware of ) for Midland Funding. I have never had any sort of relationship with this company. Therefore, I have requested ( with no response ) how they somehow obtained some debt, judgement for me. I did a search online. I see that Midland Funding and Midland Credit Management have partnered to service accounts ; per this website I came across https : //www.midlandfunding.com/. More importantly I came across this site from a law firm which references many violations per the ( FCRA ) Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX, etc. I believe these complaints should be taken seriously and investigated. I am another consumer with similar complaints. Perhaps the Attorney General should look into this company. Some of the consumer complaints are serious as it is on borderline of harassment, illegally debiting customers ' accounts, etc. I want to know how this Midland Funding obtained some ( so called debt ) and judgment for me. I would like an explanation of an itemized transaction history, previous charged off accounts, creditors, payoffs. Midland Funding more than likely obtained a charged off debt from another creditor. I want to know who the original creditor is. I feel more comfortable paying that ( original creditor ) I owe debt to directly, since I might have had a prior relationship with them. I don't have an account number, only a document which provides Court judgement info. I will request a court/judge demand the information I am requesting if it isn't received. Also, a judge to vacate judgement for lack of service. I never received any notification from Midland Funding. XXXX XXXX XXXX
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXXXXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. MIDLAND CRED bal. {$2500.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: A derogatory mark has been made on my credit score due to a account being sent to Collections ( listed below ) MIDLAND CREDIT MANAGEMENT Opened XXXX This is from someone fraudulently opening a credit card to purchase plus size clothing online. The credit card is called ( XXXX XXXX ) The only time I have opened a credit card was at XXXX XXXX ( clothing store ). I believe there was a data breach in their system and my information was stolen. I have refused to pay off the XXXX XXXX account because it is a fraud charge by someone else. It has now been on my credit for 1 yr 11 Mos and negatively impacting my credit score. I have disputed this account with XXXX XXXX in the past claiming it was fraudulent, but no action has been taken.
Company Response:
State: CT
Zip: 06360
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was recently informed that this ( Midland Funding ) somehow obtained a judgement against me. I was completely unaware of this judgement which was from over 10 years ago. I am curious to know where they got this debt from. I have requested a transaction history, itemized details of the so-called debt ( all the way to the original creditor ) Also I want to know what previous creditor charged off this deb, payoff information. I reached out to the ( Fair Credit Reporting Act in reference to this matter. I am considering contacting the court ( after the Holidays ) to file a motion to vacate the judgement, since the court has no proof of service. I never received this debt. I came across this article which shows illegal practices with this company, such as robo-signing and other illegal activities. Perhaps this company needs to be investigated. I am still waiting for proof of this debt. I want to know where the judgment originated from. Perhaps the news investigative department can investigate matters such as this. It would be good to see the news go into their office so everyone can see their illegal practices in person. I take this very seriously because I was not aware of this judgment until now 11 years later. I am attaching the document which was provided from a search that was done on the property. I wonder if other consumers are having similar issues such as mine. This is why I thought perhaps the district attorney, congressional leaders, consumer protection bureau, XXXX XXXX XXXX could possibly investigate, look into this situation. Please see the website link pasted here Midland Funding Settles Collections Abuse Probe - CFO. XXXX XXXX XXXXXXXX
Company Response:
State: NJ
Zip: 07103
Submitted Via: Web
Date Sent: 2022-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A