Date Received: 2021-10-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: They are trying to collect a debt that I already disputed with original creditor as fraud related, Original creditor agreed to remove since balance was {$4800.00} on a credit card with a {$2200.00} limit, I have all documentation of the dispute with original creditor. Midland credit managem stated that account was opened on XXXX XXXX, 2020 and bureaus are reporting another different date. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.
Company Response:
State: NJ
Zip: 08861
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Midland Credit Management has violated my Consumer Rights and Privacy Right under the FDCRA. I have attempted to resolve this matter with them several times and they refuse to respond to the affidavits and the cease and desist letters. I will attached copies of the cease and desist letter with invoice and attach the complaints I have filed with the Attorney General and the XXXX
Company Response:
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
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: I see in this account that this report lacks information. How did you prove that this account belongs to me if the information you provided is not complete?
Company Response:
State: CA
Zip: 95824
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am being sued by a Midland Credit Management in court of XXXX County, NJ through XXXX, XXXX XXXX XXXX, XXXX law firm for the debt that they did not validate. I have filed my answer with court on time. I have received in the mail interrogatories from XXXX, XXXX XXXX XXXX, XXXX that I responded to. I have mailed them my interrogatories asking to validate the debt and about the Statue of Limitations several times and did not get any answers. They mail me harassment letters wanting me to admit the debt without any validation. I have attached the documents that I have received from the court, XXXX, XXXX XXXX XXXX, XXXX, and my responses to them. I can not obtain any account statements from the original creditor XXXX XXXX. in order to verify the debt and the last date of payment for Statues of Limitations. This account has been charged off as per XXXX XXXX XXXX . and I don't remember any details and don't have any records left.
Company Response:
State: NJ
Zip: 08879
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS IS NOT A DUPLICATE RESPONSE- YOU RESPONDED TO MY CFPB COMPLAINT ENDING IN # XXXX ON XX/XX/21, I RESPONDED BACK TO YOUR CLAIMS WITHIN THE CFPB COMPLAINT ENDING IN # XXXX ON XXXX. AND YOU MARKED IT AS DUPLICATE. MY TWO RESPONSES ARE NOT THE SAME. I HAVE THE RIGHT TO RESPOND TO WHAT YOU STATE. THAT IS A VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- 12 USC 5511 ( c ) ( 2 ) and 12 USC 5511 ( b ) ( 2 ) JUNK DEBT BUYER IN VIOLATION OF THE FDCPA - IN VIOLATION OF MY FEDERALLY PROTECTED CONSUMER RIGHTS- I AM THE CONSUMER- I AM THE ADMINISTRATOR- I AM THE EXECUTOR 15 USC 1692c ( d ) Midland Credit Management stated in the previous complaint that they have bought this debt. Therefore a person would not owe this alleged debt to Midland Credit Management, or the assumed original creditor. Midland Credit Management stated XXXX as the original creditor had the right to legally seek repayment of the promissory obligation the new third party purchaser has the right to repayment of the credit account. Midland Credit Management is under the false pretense that since the alleged debt was sold to them that they can legally seek repayment. Midland Credit Management just admitted to False or Misleading Representations pursuant to 15 USC 1692e ( 6 ) ( A ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. Please be advised, Midland Credit Management has incorrectly defined the term " charge off ''. However, defined in LAW, within the Fair Debt Collection Practices Act, is the term " debt '' ; 15 USC 1692a ( 5 ) The term debt means any obligation or ALLEGED obligation of a consumer to pay money arising out of a TRANSACTION. Midland Credit Management stated that this alleged debt was charged off by the assumed original creditor, therefore there is no longer a transaction, therefore THERE IS NO DEBT. Midland Credit Management also advised they received my " CEASE AND DESIST '' notice. In that Cease and Desist notice I advised Midland Credit Management to cease ALL FORMS OF COMMUNICATION through ANY AND ALL MEDIUMS. Pursuant to 15 USC 1692a ( 2 ) congress defined Communication in the Fair Debt Collection Practices Act as " the conveying of information regarding a debt directly or INDIRECTLY to any person through ANY MEDIUM '' My consumer reports are INDIRECT MEDIUMS and Midland Credit Management must adhere to law and not communicate with me through my consumer reports or they will be in violation. Also, I, the federally protected consumer, never gave Midland Credit Management permission to have my location information or my authentication feature, that is a violation of my INDIVIDUAL right to privacy, pursuant to 15 USC 1692 ( a ). Furthermore, Midland Credit Management just admitted to participating in conspiring against my rights with the assumed original creditor, pursuant to 18 USC 241, which they shall be fined and imprisoned for 10 years. Midland Credit Management are violating 18 USC 1028 by UNLAWFULLY transferring my authentication feature ( social security number ) electronically. I am not a consumer who is unaware of his rights and the laws that protect him against abusive debt collection practices, such as Midland Credit Management is displaying. Fact, I do not need Midland Credit Management to respect consumers ' rights, I need them to adhere to the consumer protection laws which governs them. This debt collector is violating a number of my FEDERALLY PROTECTED CONSUMER RIGHTS ; some, but not all, are included in my Bill of Particulars. Do not violate my rights or the Fair Debt Collection Practices Act any further. Deleted this alleged account from all of my consumer reports immediately and terminate all further collection efforts. Do not sell or transfer any of my personal information in connection with this alleged debt. I do not give Midland Credit Management, or any of its representatives, affiliates, employees or legal counsel permission to pursue legal action against me, the federally protected consumer, for that would be a violation pursuant to 15 USC 1692i ( b ) and 15 USC 1692e ( 3 ). With Explicit Reservations of all Rights, Without Prejudice - UCC 1-308
Company Response:
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2021-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a Credit Card with XXXX XXXX XXXX XXXX. The service was terrible and the interest usurious. I paid the balance in full after a long stay at a medical facility. Human error misplaced the payment as a debit rather than a credit. When they called, I explained this to the representative who fought with me. I stopped communicating and never heard another word. Apparently the Credit Card representative could not understand my factual response and the debt was sold to Midland Credit for collection, who hired a XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) to pursue. I contacted the Law firm, explained the situation and filed a dispute. The attorney promised to inform his client with the paperwork I provided, clearly stating I was correct, but nothing happened and the debt remains under " Collection '' on my credit reports, lowering my FICO score.
Company Response:
State: MA
Zip: 02492
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have 4 accounts with Midland Funding that is on my collections. I have no knowledge of either of these accounts. These accounts are fraudulent and look like duplicates. 2 accounts were supposedly opened on XX/XX/XXXX and the other 2 was opened XX/XX/XXXX. Ive never dealt with midland funding or the creditor they are working for. This is illegal debt.. and this is hurting me from moving on in life. They also have a default judgement against me but Ive never received mail to attend court. I currently have a case opened with XXXX to get this handled.
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a natural person and consumer writing this statement from my own knowledge and research of the laws that protect consumers from fraud and other deceptive practices that harm a consumers character, and reputation. Midland Credit Management is reporting an alleged debt and they are tarnishing my reputation and harassing me. I have never authorized this company or anyone employed with this company to do business with me, make an inquiry or view or report to my credit. I asked this company to validate this alleged debt and None of the alleged debts have been validated nor represented by the original creditor. These alleged debts are 100 % fraudulent and need to be blocked and removed.. According to the Fair Debt Collection Practice Act, I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there have been alleged debts published from Midland Credit without my permission; using my name and personal information by which to do so. According to the Fair Debt Collection Practice Act section 15 USC 1692d I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt and the publishing of this false information has done all of such. I demand this fraudulent account be blocked and removed from my report.
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have tried many times to get a proper response from Midland credit Management and they have failed to do that. I provided them with sufficient evidence to prove my case of identity theft and never got an answer from them. I had a trial set for XX/XX/2021 and never got a notification of continuance from them and missed a day of work for nothing. They have committed violations under the FDCPA section 805, 807 and 809. I have sent numerous emails to their agency and lawyer ( XXXX XXXX ) and never got a response from them either. This is very irresponsible and insensitive and is causing collateral damage to my credit report and impacting my life very negatively at this point. As I can not get approved for credit cards or loans because of now years as a victim of Identity Theft.
Company Response:
State: FL
Zip: 33014
Submitted Via: Web
Date Sent: 2021-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have received a number of calls saying I owe over {$600.00} in debt for a XXXX XXXX credit card that I have never had at all. I informed the company that I did receive a card for {$50.00} and that was it. But after speaking directly with the company they said I also had received a card {$300.00} and I informed them that I had never seen or applied for such a thing
Company Response:
State: KY
Zip: 42301
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A