Consumer complaint received 2023-12-04
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to dispute inaccurate information on my credit report. This is not only a stain on reputation & character but it is a violation of my rights, as set forth by the Fair Credit Reporting Act ( FCRA ). After reviewing my report, I noticed violations of FCRA subsections including but not limited to : 15 USC 1681 ( a ) ( 2 ) & 15 USC1 1681 ( e ) ( b ). In addition to FCRA violations, I also noticed several instances where my rights under the Fair Debt Collection Practices Act ( FDCPA ) including but not limited to : 15 USC 1692 ( d ) ( 1 ) & 15 USC 1692 ( d ) ( 2 ).

Pursuant 15 USC 1681 ( a ) ( 2 ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer whom it relates.

I never gave any written instructions to put these accounts on my report. This is a clear and blatant violation of my rights under the Fair Credit Reporting Act.

Pursuant 15 USC 1681 ( e ) ( b ), whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I was never contacted or asked to verify the information thats being reported on my file, thus proving that there wasnt an effort made to assure maximum possible accuracy of the information. This is another blatant violation of my rights.

Pursuant 15 USC 1692d ( 1 ), A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

By reporting this inaccurate information, Midland Credit Management engaged in behaviors that caused severe harm to my financial reputation. Their egregious behavior has caused lenders to look at me in a much more negative light. This is a blatant violation of my rights, as set forth by the Fair Debt Collection Protection Act.

Pursuant 15 USC 1692d ( 2 ), A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

By pursuing the alleged debt, Midland Credit Management harassed, oppressed & abused me. Midland Credit Management used language that I consider obscene. Using inaccurate information, they slandered my name, telling major consumer reporting agencies that I owed them money and I did not pay my bills. That is obscene language and those comments had caused lenders to look at me in a more negative light.

I was demanded to pay an alleged debt that was never validated as mine. I wasnt given an option in the matter. This made me feel very uneasy because it felt & still feels like they were attempting to extort me.

Midland Credit Management continued to harass me by submitting inaccurate information to credit reporting agencies, thus ruining my financial reputation.

These are blatant violations of my consumer rights, as set forth by the FDCPA. In light of the numerous violations, a result of their malicious behavior, please remove these accounts from my credit report immediately.

Due to the numerous inaccuracies and violations on my file, Im demanding that the following accounts are removed immediately : Midland Credit Management - Account Number : XXXX

Company response to consumer: Closed with non-monetary relief