Consumer complaint received 2021-10-13
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am a consumer and natural person. Before I knew who I was as a consumer/natural person, I was taken advantage of in the form of threat to sue and out of fear because of not understanding Federal laws given by Congress for consumer protection. I have been paying a third party company ( Midland Funding LLC/Midland Credit Management ) {$50.00} a month thinking it was XXXX XXXX. I am very upset of the deception that was brought against me. XXXX XXXX sold my information without my consent to this Business ( Midland Funding LLC ). That falls under Aggregated Identity theft which violates 18 USC 1028A which Midland Funding LLC/Midland Credit Management owes consumer/natural person {$1000.00}. I have never done business with Midland Funding LLC before this. Midland Funding/ Midland Credit Management is not supposed to interfere in personal business matters they never started. I want every single dollar this company collected from me due to fraudulent collecting of personal information from consumer plus {$1000.00} fine per violation pursuant Federal laws, Title 15 Chapter 41 in application.

Midland Funding/Midland credit management threaten to sue me but ignores 15 USC 1692 ( e ), that section is titled false or misleading representations. I can not be sued if an attorney is involved per federal law. Even the constitution has 2 more laws that help with that. Any attorney is not an attorney as they say they are or portray to be. The FDCPA tells us no one is exempt from these laws and is supreme to any other laws that do not serve your greater protection as a consumer. Federal law trumps all laws. FDCPA says attorneys are fraud. You violated this law = {$1000.00} to Consumer/Natural Person 15 USC 1692 K states monetary damage for every law violated Midland Funding LLC/Midland Credit Management owes me {$1000.00} dollars.

No company other than The company I was doing business with originally can communicate with me. You need my direct consent to communicate with me and I never gave Midland funding LLC/Midland Credit Management direct consent to communicate with me to harass me about a debt that has no business with them pursuant to 15 USC 1692c ( a ). This violation puts Midland Funding LLC/Midland Credit Management in fraudulent activity. I had a relationship with the corporation not a third party/middle man company. You violated this law = {$1000.00} to Consumer/Natural Person I want to know what law states that I am obligated to pay debt from Midland Funding LLC . 15 USC 1692a ( 3 ) states I am not obligated to pay any debt because I am a consumer and thats a natural person under federal law. All obligations are for the United States not the natural person 18 USC 8. You violated this law due to the fact that you forced obligation for a debt = {$1000.00} to Consumer/Natural Person Midland Funding LLC threaten to sue me. 15 USC 1692 I B states no lawyer or anyone can sue me without my authorization. I never gave them permission to sue me. You violated this law = {$1000.00} to Consumer/Natural Person Midland Funding LLC/Midland Credit Management owes me {$5000.00} plus the total amount collected from me since the deception per federal laws Title 15 Chapter 41 which protects the consumer and natural person. 

I am the original creditor I am the consumer I am a natural person,

Company response to consumer: Closed with explanation