Consumer complaint received 2017-12-15
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX responded to my former complaint closed prematurely by a lengthy response from the company that hardly contained any information. This company keeps alleging that I owe this debt to them. The feedback link was broken & so here 's my proper response to this abusive company : This junk debt buying agency assumes ignorance of a consumer by stating that I am " confused '' about the terms within my own credit report and of legal jargon generally. 

The very long response I received that had no real information contained within it did not properly validate my concern. In detail, here is what I asked to be provided : 1. Agreement between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX that gives your company authorization to collect this alleged debt. 

XXXX XXXX did not provide anything more than a Bill of Sale for the alleged debt -- there is no agreement between MCM and XXXX Bank that allows them to collect on behalf of this company. 

2. An agreement, containing my signature ( whether by hand or digitally ) stating that I have agreed to assume this debt. 

This means that I require a CONTRACT signed at the time of the alleged opening of the account, that indicates agreement that I own this debt. This debt-buying collection agency provided a bill that has no signature of mine contained anywhere on the document. 

3. Valid copies of the debt agreement stating the total amount of alleged debt. 

XXXX provided is considered invalid until XXXX XXXX XXXX proves correctly that I owe this alleged debt and that they have the authorization to further collect this alleged debt. 

4. Proof that the Statute of Limitations has not expired and alleged debt has not been re-aged, a violation of the Fair Credit Reporting Act ( FCRA ). This includes the Statute of Limitations for the state of Georgia, under Georgia Code OCGA-9-3-25. 

XXXX XXXX XXXX disregards that any credit card agreement falls under what is federally defined as an " open account. '' Thus, the stately statute of limitations on any open account is 4 years from the date of delinquency. The date stated in their document is incorrect. 

5. Complete payment history on the account noted. 

This was not validated / contained in their attachment. 

6. Proof that you are licensed and legally permitted to collect debts in the state of Georgia. If so, also requested are ; 7. License number XXXX XXXX XXXX and Registered Agent ( s ) involved. 

XXXX XXXX did not provide this information and told me in more than a few words to locate this information on my own. That is not my job -- this company needs to validate on their own whether they able able and licensed to harass alleged debtors in the state of Georgia. 

Furthermore, this company claims that a validation letter was received by me in XXXX -- I find this to be inaccurate information. Under FCDPA, I am well within my rights to requests validation at ANY time that I discover discrepancies in my credit report / when any debt buying agencies threatens a lawsuit against me. 

To end, Midland provided no satisfactory answer and still insinuates that legal action is probable though they have not even proven a case in a means as simple as a portal for consumer complaints for financial companies like theirs.

Company response to consumer: Closed with explanation