Consumer complaint received 2017-04-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This letter is in response to your recent claim regarding account #, XXXX which you claim that I owe MIDLAND FUNDING LLC, {$2200.00}. This is a formal notice that your claim is again disputed. 
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Please note that I never received " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you ; MIDLAND FUNDING LLC. My reason for disputing is : I do not nor have I have entered into a contract with MIDLAND FUNDING LLC nor have I ever signed any documents stating I would pay MIDLAND FUNDING LLC. 

This is NOT a request for " verification '' or statements for the original company, or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above-named Title and Section. 

I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you, Midland Funding. 

Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe, MIDLAND FUNDING LLC. 
Provide me with copies of any papers that show I agreed to pay you ; Midland Funding LLC, what you say I owe. 
Identify the original creditor with name and address. 
Prove the Statute of Limitations has not expired on this account. 
Provide me with validation that MIDLAND FUNDING LLC is bonded to legally conduct debt collection in the State of Texas and provide me with the name of your bonding company and your license numbers. 

Now, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character STOP THE HARRASSING PHONE CALLS! I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. Do not call my relatives or my friends. If your offices attempt telephone communication with me, including but not limited to computer generated calls, or calls to third parties, it will be considered harassment and I will have no choice but to file a counter suit. 

All future communications with me MUST be done in writing and sent to the address noted in this letter through the USPS. 

It would be advisable that you and your client assure that your records are in order. This is an attempt to correct your records. Any information obtained may be used for that purpose. 

Regards, XXXX XXXX cc Federal Trade Commission CC Better Business Bureau

Company response to consumer: Closed with non-monetary relief