Consumer complaint received 2023-11-13
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This complaint is against ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INCS and XXXX XXXX XXXX XXXX ( acting as ) President. We are FEDERALLY PROTECTED CONSUMERS. Our credit report ( s ) have erroneous reporting from MIDLAND CREDIT MANAGEMENT INC. We have been advised that CREDIT REPORTING is a form of collection strategy and we demand that ALL credit reporting CEASE IMMEDIATELY as ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC and ( acting as ) President, XXXX XXXX XXXX XXXX are in violation of 1692e ( 8 ). We never received an initial communication from ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC , which means they are in direct violation of 15USC 1692g ( a ) ( b ). We have NO CONTRACT, NOR ACCOUNT with MIDLAND CREDIT MANAGEMENT INC. NOR DO WE WANT TO CONTRACT WITH ENCORE CAPITAL GROUP INC./MIDLAND CREDIT MANAGEMENT INC , MIDLAND CREDIT MANAGEMENT INC nor ANY of the CORPORATE NAMES they HIDE BEHIND. NOR DO WE WANT TO CONTRACT WITH ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC. We are not a customer of ENCORE CAPITAL GROUP INC. We are NOT a customer of MIDLAND CREDIT MANAGEMENT INC . NOR have we ever entered into a contract with ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC . 

We NEVER gave PERMISSION / CONSENT to MIDLAND CREDIT MANAGEMENT INC. to use or be in possession of any of our NON-PUBLIC PRIVATE PERSONAL IDENTIFYING INFORMATION. This is a VIOLATION of THE GRAMM- LEECH- BLILEY ACT . TO BE CLEAR We DO NOT accept MIDLAND CREDIT MANAGEMENTS offer to contract. We DID NOT and DO NOT consent to ANY non-affiliated third party ( MIDLAND CREDIT MANAGEMENT INC. ) to be in possession of our NON-PUBLIC Personal Information. 

MIDLAND CREDIT MANAGEMENT INC. IS VIOLATING our USC 1692 rights for over a year! Because of the nature of these VIOLATIONS with MIDLAND CREDIT MANAGEMENT INC. against us, were asking for {$11000.00} per violation. This is for MIDLAND CREDIT MANAGEMENT INC. causing distress, many missed nights of sleep, headaches, and US being DENIED CREDIT due to this derogatory FALSE INFORMATION with the Credit Reporting Agencies. I HAVE NO CONTRACT WITH MIDLAND CREDIT MANAGEMENT INC. and I HAVE NO LAWFUL nor LEGAL OBLIGATION to even COMMUNICATE with MIDLAND CREDIT MANAGEMENT INC. AT ALL. 

BE IT KNOWN NOW, this is ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INCS NOTICE to CEASE AND DESIST all UNLAWFUL and ILLEGAL ACTIVITY IMMEDIATELY. THIS IS NOT A REQUEST FOR VALIDATION, VERIFICATION or ANY REQUEST at all. THIS IS NOTICE OF A BOGUS DEBT. The matter has NOW BECOME CLEAR that ENCORE CAPITAL GROUP INC./ MIDLAND CREDIT MANAGEMENT INC obtained/PAID FOR our NON-PUBLIC PERSONAL INFORMATION WITHOUT our LAWFUL AUTHORIZATION and that constitutes AGGRAVATED IDENTITY THEFT 18 USC 1028A. 

MIDLAND CREDIT MANAGEMENT INC. should also know that in XXXX XXXX, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY.

Company response to consumer: Closed with non-monetary relief