Consumer complaint received 2022-12-20
Company: ENCORE CAPITAL GROUP INC.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX I submitted CFPB Complaint ID # XXXX against Midland Credit Management XXXX In that complaint, I requested a CEASE-and-DESIST of all illegal activities, including reporting which constitutes collection activities and to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempted telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. As of today, you are now on notice that you have violated 15 USC 1692 ( c ) of the FAIR DEBT COLLECTION PRATICES ACT and have breached your duties by harassing me regarding this alleged debt. They have repeated called me twice in one day, and in the early morning which is extremely inconvenient and a violation of their cease and desist. I will instruct my legal consul to take relevant action against you by filing a FEDERAL CASE against you for this violation. Instead of submitting to the below request, you are consistently calling. Again, this serves as a written notice of CEASE-and-DESIST of all reporting which constitutes ALL COLLECTION activities and all contact be made via in writing. I am also requesting a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a BILLING STATEMENT, notice or any unsigned document is NOT verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain. If you continue with your violations, I will instruct my legal consul to take relevant action against you by filing a FEDERAL CASE against you for this violation. Instead of submitting to the below request, you are consistently calling. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
Also, as you are aware, you Midland Credit Management are a 3rd party DEBT COLLECTOR, which means the debt has been charged-off by the ORIGINAL creditor and is now considered as a CERTIFICATE OF INDEBTNESS ( XXXX XXXX XXXX reporting for discharges of indebtness by certain entities ) as well as income ; and income can not be reported on my consumer report, therefore, I am requesting for all COLLECTIONS be removed immediately from my consumer report. As I previously stated, per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection.

Company response to consumer: Closed with non-monetary relief