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MIDLAND issues

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AFreshStart
Regular Contributor

Re: MIDLAND issues

I just sent my BBB complaint, I was too disappointed to wait till the sun came up.
According to the BBB website this company was previously lost a lawsuit Im which they were ordered to pay over $900,000 dollars for collection violations. Clearly they havent learned anything or that wasn't even a dent in their pockets.

I guess I will have to say goodbye to my AAOA and utilization for the next month. :'(

Starting Scores Nov 17: 581(EQ) 571(TU) 563(EX)
Cap One VentureOne 5k, Discover 2k, Amex Delta Gold 1k, Amex SPG 1k, Capital One 500,
Message 11 of 31
Anonymous
Not applicable

Re: MIDLAND issues

I have an account that's also showing up on Equifax twice. I just disputed it. Don't know about EX or TU because I haven't pulled those recently.

Message 12 of 31
kaylord84
Frequent Contributor

Re: MIDLAND issues

i justgot a alert from score watch that these guys put another account on my report


Starting Score: Eq 485 TU 467 Ex 400 BK filed Dec 2016
Current Score: Eq 723 TU 665 Ex 682
Goal Score: 700 All 3


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Message 13 of 31
bbb3601
Frequent Contributor

Re: MIDLAND issues

It would be oh so nice to be part of a big class action against them!!!!

NFCU Cash Rewards 20,000,NFCU Plat 17,000, NavCheck 15,000, USAA Cash 4,000, USSA Rate Adv 2,000, USAA AMEX 3,500, Freedom 2,000, Capital One 2,000, Barclay's Apple 1,500, Barclay's Ring 1500, Various Store Cards.




Message 14 of 31
afbar1114
Valued Contributor

Re: MIDLAND issues

this could into a class action
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 15 of 31
llecs
Moderator Emeritus

Re: MIDLAND issues


@MarineVietVet wrote:

@afbar1114 wrote:

lets make one thread with all MCM issues in one. i have seen about 4 threads started in the past 30 min because of a reporting issues midland is have with what seems to be only EQ reports.  

 

Pulled my EQ today and midland opened another account for the same collection.  but marked it with a new balance and payment info and now both are showing open unpaid also incldued a new date of major first DQ of 2/2012. 

 

 

i just hope me disputing all my reports will help me since they were in dispute.  i may have to send letters again and have them dispute again 


That sounds like a good idea but it will never work because too many people log on and don't read any threads already started and begin yet another one that says/asks the same exact thing as 25 other threads on the same board.  Smiley Happy

 

That's just one of the foibles of an online forum I'm afraid.



I'll add we'll often merge threads in other boards if the information is uniform, like a major creditor being sold, or a major creditor making a change like adding CLs or removing them, or specific news about a particular topic. For example, if Midland announced they were to close forever, we might have quite a few posts about that (if only it were ever true).

 

In the case of this board, it's very difficult to merge threads because everyone's situation is different. Some might be in a position where they are about to be sued or were sued, or maybe MCM is collecting on a debt that wasn't legit or the poster was a victim of ID theft. And maybe the posters goals are different. Some want to press for a PFD and move on. Some won't pay even if Hell freezes over. Everyone's advice will differ.

Message 16 of 31
afbar1114
Valued Contributor

Re: MIDLAND issues

just spoke with mcm. told them to fix issues and that i filed complaints. they told me they need a copy of my credit report to fix it. told them if they dont fix it within 30 days i will get a lawyer. then said they only report once a month and they need my credit report. told them im getting a lawyer and they hung up on me
AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 17 of 31
Anonymous
Not applicable

Re: MIDLAND issues


@bbb3601 wrote:

It would be oh so nice to be part of a big class action against them!!!!



+1

Message 18 of 31
afbar1114
Valued Contributor

Re: MIDLAND issues

my letter to midland 

 

 

As of, February 22, 2012 Midland Credit Management and Midland Funding LLC. Is in violation of the Fair Credit Reporting Act by reporting the same account twice on the Equifax Credit Report. As such I will be seeking legal counsel if this is not corrected within 30 days from the above-mentioned date. I have called and spoke to your agents explaining that Midland Credit Management is in violation of the Fair Credit Reporting Act.

 

I have disputed all accounts with all of the major credit reporting agencies. I have also filed complains with the Federal Trade Commission, the Better Business Bureau, and the California Attorneys General Office.

 

Under my rights of Under § 617 of the Act, (15 U.S.C. § 1681o). Midland Credit Management is in violation of not reporting accurate information as such I may be seeking damages of the amount of which I paid to the account due to the fact that the new account is reporting on my credit reports and may be damaging to my credit as well as defamation of character. I suggest that  all accounts on my Equifax, Experian, and Transunion reports deleted in full or I may be required to seek additional legal aid.

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 19 of 31
afbar1114
Valued Contributor

Re: MIDLAND issues

just sent out my email with a bit of changes. then about 5 mintues later i got an email from Lead Executive Assistant to CEO & CFO.... so we shall see what happens. BTW my subject line was Legal action/ FCRA vilotaion... you think they took  that one seriously? lol

AMEX PRG; AMEX EveryDay $14,800; Freedom $6k; Sapphire $7k; IHG Select $5k; Discover $2,400; BofA Better Balance $9,100; Bank Americard $5,900; Citi DC $2,700; Citi Diamond $2,500; BestBuy $20,000; Amazon Prime $5k, United Club $15,000; Home Depot $20,000; Barclays $7,500

Total Credit Limits: $122,650
Message 20 of 31
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