Consumer complaint received 2021-11-15
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Midland Credit purchased a debt from another company that i had no involvements with the transaction. 
According to 15 usc 1692a ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection, XXXX, XXXX and XXXX are assumed to be credit bureaus. Fact is that they are not and that the only bureau is the Consumer Financial Protection Bureau. Fact is that i am a federally protected consumer as detailed in 15 usc 1692a ( 3 ) consumer ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

On the date of XX/XX/XXXX Congress enacted HJR-192 to suspend the gold standard and abrogate the gold clause. The resolution of this declared that " whereas the holding or dealing in gold affects the public interest and are therefore subject to proper regulation and restriction and whereas the exisiting emergency has disclosed the provisions of obligations which purport to give the oblgiee a right to require payment in gold or some kinf if coin or currency.,, are inconsistent with the declared policy of congree. in the payments of debts. this resolution declared that any obligation requiring payment in gold or a particular kind of coin or currencent or ina n amoint in money, policy and every obligation herefore ot hereafter inciurred shall be discharded upon payment, dollar for dollar, in any coin or current which at the time of payment is legale tender for public and private debts 15 usc 1681a ( 3 ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

I can assure you that an investigative consumer report was not completed. it clearly states that personal charactertics or mode of living is obtained through personal interviews with neighbors and friends.

15 usc 1692e, False and misleading representations ; A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section.

15 usc 1692e ( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
I received a letter from XXXX XXXX XXXX, XXXX  on behalf of Midland Credit stating that they represent Midland Credit Management against me. This is false and misleading practices being done. Also 15 usc 1692e ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken. The letter states a copy of a lawsuit is being filed with the general district court. One i am a federally protected consumer. The term Federally means attendance in a federal court. Second false and misleading this is clearly deceptive practices.

Company response to consumer: Closed with explanation