Consumer complaint received 2023-09-28
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I pulled my consumer report from the three credit bureaus, XXXX, XXXX and XXXX. I noticed that an unauthorized alleged debt with the balance of {$10000.00} was placed on my consumer report from MIDLAND CREDIT MANAGEMENT , INC ( in which I disputed with all three bureaus ) on XXXX XXXX as well as a Notice of Judgment Lien upon a property dated on XXXX XXXX XXXX I also noticed that there appears to be an alleged account update on my consumer report dated XXXX XXXX  I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$10000.00}. Instead, they sent me an unknown forced judgment lien document that appears to have fraudulent information regarding my personal information. This company has threatened my livelihood for the attempt to seize property without valid debt verification, they have went against the law 15 U.S.C. 1692g-Validation of Debt process of consumer disputing any alleged debt without proper communication or appropriate investigation. This company has unlawfully taken legal action to damage my credit, wage garnishment, inability to obtain housing, has caused me the inability to obtain employment and has caused a great amount of stress whereas I can not sleep at night wondering if I will be able to provide stable living for myself. This company has not contacted me of any type of alleged debt collection. I do not know who this company is and/or why they are threatening my being. On XXXX XXXX XXXX  I sent this company a letter to verify this alleged debt IMMEDIATELY, and I have not heard or received any type pf documentation to do as such. As far as I am concerned this alleged debt does not belong to me as I have never signed any type of contract, met in person or talked with anyone from this company or gave any consent of doing business with MIDLAND CREDIT MANAGEMENT , INC. My consumer right as a natural person state that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. Again, this matter has caused me such stress and XXXX I have emotional distress since this alleged debt of {$10000.00} as well as a judgment lien has beem placed on my consumer report shows that I am not protected as a consumer from the credit bureaus or this company. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me. I will conclude that MIDLAND CREDIT MANAGEMENT is either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.

Company response to consumer: Closed with non-monetary relief