Consumer complaint received 2023-03-27
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Selected Account XXXX I received part of the information that I requested, however the last charges that were made on this card were XX/XX/XXXX. You purchased this credit card debt on XX/XX/XXXX, after it was charged off XX/XX/XXXX. This debt was charged off over ten years before you purchased it. Now you are trying to collect a debt that is almost 16 years old. I have asked you from XXXX to provide me with a contract between your company and me with my signature agreeing to pay your company for this debt. In XXXX you harass me with phone calls almost every day until I wrote you a letter telling you to cease and desist. However, you are currently bombarding me with collections of letters, which I consider harassment and false reporting that this debt was written off XX/XX/XXXX. 

I understand why you in the past refused to send me the information I requested, because of the age of the debt. However, you still refused to remove your fraudulent information from XXXX. Therefore, you leave me no choice but to report to your company all reporting agency. 

I will be copying this letter Florida State Attorney Offices Consumer Financial Protection Bureau Midland Credit Management , Inc. for violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 approved on XX/XX/XXXX, is a consumer protection amendment, establishing legal protection from abusive debt collection practices to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines the rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Cc : Florida State Attorney Office, Consumer Financial Protection Bureau, and XXXX XX/XX/XXXXXXXX  CERTIFIED LETTER Midland Credit Management , Inc. SECOND REQUEST XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Selected Account XXXX, XXXX YOU DID NOT REMOVE THE ATTACHED LETTER REQUEST FROM XXXX CREDIT REPORT. I disputed this with XXXX and they said you responded that the information was correct as reported. 

I am requesting that you respond to my current request of a statement as to how the credit card went from {$280.00} to {$710.00}. You have 10 days from the date of your receipt of this certify letter. 

I will be filing a lawsuit of Midland Credit Management , Inc. for violations of the Fair Debt Collection Practices Act, 15 U.S.C. 1692 approved on XX/XX/XXXX, is a consumer protection amendment, establishing legal protection from abusive debt collection practices to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. It is sometimes used in conjunction with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX

Company response to consumer: Closed with explanation