Consumer complaint received 2017-04-01
Company: ENCORE CAPITAL GROUP INC.
State: SC
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:
In receipt of a letter dated XX/XX/XXXX that was forwarded to me where it was sent to a family member 's address, and I received the forwarded letter on XX/XX/XXXX. Sent a letter to Midland Credit Management ( " MCM '' ) dated XX/XX/XXXX via USPS Certified Mail Return Receipt Article No. XXXX signed by MCM on XX/XX/XXXX outlining the dispute and the cease and desist telecommunications to family members via robo-dialing and only communication accepted is in writing. On a letter dated XX/XX/XXXX, sent to my out of state family address, MCM responded with a form letter styled response, and included a single page credit card statement that had the wrong address information, the account number on the statement did not match the account number that they stated they owned or collecting on, did not investigate prior letter disputes of ownership of account. A letter dated XX/XX/XXXX, via USPS Certified Return Receipt Article No. XXXX, was sent to MCM and signed by MCM on XX/XX/XXXX. The letter restated the first letter of dispute, the declared requests for validation, ownership, evidentiary documentation, and any other information ; included in this letter, I provided them my home address and residency to send mail directly to me and not my family addresses. To date, MCM continues to robo-dial family member numbers. As of XXXX XXXX, XXXX, MCM failed to provide any information and ignores my requests. Yet, on XX/XX/XXXX, MCM began reporting the trade line to the major credit reporting agencies of XXXX, XXXX, and XXXX that were identifiable. MCM has willfully and knowingly violated the Fair Credit Reporting Act 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies, as they verified inaccurate information, failed to note the accounts on each credit reporting agency as " Consumer disputes, meets FCRA '' or similar notation. Federal statutory damages allow for {$1000.00} for each violation committed by the furnisher. In addition, MCM violated FDCPA for continued to collect on a debt that is has been unable to provide any details on, robo-dialed family members out of state, and re-aged the account by inaccurate reporting. MCM in their documented letters stated that this alleged account was charged off XX/XX/XXXX, yet MCM reported this account XX/XX/XXXX as a charge-off date of XX/XX/XXXX and new status date of XX/XX/XXXX. MCM reports differently to each credit reporting agency on the date of last activity and/or charge off date. FCRA provides for {$1000.00} per violation in statutory damages for FCRA violations excluding court awarded punitive damages when proven through evidentiary documentation and testimonies. In addition, MCM is a part of the Consent Order of the CFPB, and I will provide the CFPB all phone records, supporting documentation, and sworn affidavits of MCM unethical behavior and violation of the consent order issued by the CFPB against this business group. Complaints are in process of being filed with the Attorney General of XXXX ( state of residency for years ), Attorney General of XXXX ( MCM state of business ), Better Business Bureau, XXXX XXXX XXXX XXXX. A follow-up letter has been provided to MCM dated XX/XX/XXXX, delivered on XX/XX/XXXX via USPS Certified Mail Return Receipt Article No. XXXX.

Company response to consumer: Closed with explanation