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I’m sorry I haven’t posted in such a long time, but the litigation against Midland Funding, Midland Credit Management and its attorneys has taken up an enormous amount of my time.  Today I’ve been working on my reply in support of my motion to amend my complaint to add violations of the Fair Credit Reporting Act and to join Equifax as it verified incorrect data for the Midland accounts in response to my disputes.

In July and September I disputed the Midland accounts online at the Equifax site.   Today I wanted to see whether they finally corrected the reporting and I wanted to dispute again if they did not correct, but Equifax would not allow me to review or dispute the accounts:


I can’t wait to see what information supposedly did not match their records.

Here is my complaint with the Consumer Financial Protection Bureau:

Unable to get my credit report or credit score: Problem getting my free annual report

First I attempted to dispute at the Equifax website.  TWICE Equifax provided me with security questions which I answered CORRECTLY, but Equifax claimed that “The information you provided does not match our records so we are unable to process your request online.”

I tried two more times, but I no longer received the security questions and I got the FALSE statement that my information does not match its records.

I then attempted to get my free annual credit report which Equifax had declined to provide on several previous occasions.  Again, Equifax FALSELY claimed that my information does not match its records.

I do not wish to receive my credit reports by snail mail as the post office does NOT deliver to my house (I reside in the desert) and snail mail is frequently misdelivered.  I want my credit information online because it is SECURE.

I greatly appreciate your assistance as I need to review the information on my Equifax report.

I received an emailed acknowledgment of my complaint and then this update:

We’ve sent your complaint to the company for a response.
We will let you know when the company responds. The response should include the steps they took, or will take, in response to your complaint.
You should receive a status update within the next 15 days.
You can track the status of your complaint at:

Of course I will update with the outcome of my CFPB complaint.  It sure was easy to submit the complaint and you can upload supporting information and edit the info before submitting the complaint.  I’m currently awaiting an email to set up a password so that I can check the status of my complaint online.

Here you can submit YOUR complaints:

Of course I plan to also submit my complaint about Midland and MCM to the CFPB, but it will be MUCH longer and I want to focus on their filing of lawsuits for time-barred debts, submission of unauthenticated documents and misrepresentations to the court, their attorneys’ violations of court rules, etc. etc. etc.

It will be a LONG complaint, after I upload all court filings and attorney communications.  Ultimately I hope to have the FDCPA changed.  I know, it may not happen, but I’m sick and tired of having to waste my life on responding to scum sucking bottom feeding lawyers’ lies to the courts.  You can’t imagine the attorneys’ deception and misrepresentation and we should really have a CONSUMER COURT where consumers can actually find justice because the judges ENFORCE THE RULES and attorney lies to the court are PROHIBITED and come with automatic sanctions.

I also think that every time the CFPB determines that a creditor, credit bureau, etc. violated the law, they should have to pay $500 with half to the CFPB for its work and half to the consumer. THAT would really make a difference and put the credit bureaus and creditors/collectors back in line.

Right now they’re so incredibly arrogant, Midland / MCM didn’t even correct their reporting after over a year in court!

If I seem aggravated, it’s because I’m tired, it’s now midnight, I’ve been working on my court filings all day and now I can’t even see what Midland / MCM report to Equifax. I sure wish the entire financial system would implode.

WHY do people put up with this bullshit?