Consumer complaint received 2021-06-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Midland Funding, LLC/XXXX XXXX XXXX, XXXX. 

With respect to a XXXX account in XXXX, in which fraudulent charges were made in connection to a internet hacking scheme, which XXXX XXXX  investigated, and informed me I was not liable for charges made in the tune of {$3200.00}, and account was closed. 

Somehow closed account was included in the sale of junk debt accounts to Midland Funding, LLC, and Midland Funding, LLC hired XXXX XXXX XXXX in XXXX XXXX, LA to collect the junk debt account. 

Upon contact by XXXX XXXX XXXX, XXXX back in XXXX, I explained the nature of the account balance, and determination by XXXX XXXX, I didn't owe the balance due to fraudulent activity, and account was closed. I requested a cease communication from Midland Funding, LLC, as well as XXXX XXXX XXXX, XXXX in connection with the debt, I did not owe. 

In XXXX, XXXX XXXX XXXX, XXXX, sought a Summary Judgment on the XXXX XXXX junk debt account, in the neighborhood of {$5000.00}. The court venue used was a City of XXXX, LA small claims court, that does not have legal jurisdiction over interstate credit account matters. This is a local city court, with jurisdiction over local city laws. The judge in this city court granted Midland Funding, LLC/XXXX  XXXX XXXX, XXXX a summary judgment on this case, which was typical shady Louisiana backroom politics. 

I refuse to pay a debt I do not owe, on a account that was reviewed by XXXX XXXX, and determined, I did not owe the fraudulent charges, regardless of the underhanded tactics used by Midland Funding, XXXX and their legal agent XXXX XXXX XXXX, XXXX. 

Midland Funding, LLC and XXXX XXXX XXXX, XXXX continue to use underhanded, and illegal tactics to stalk my employment, and contact my employers with garnishment letters obtained through various Sherriff 's Departments in Louisiana, such as XXXX XXXX XXXX Sherriff 's department, and XXXX XXXX sheriff 's department. 

Midland Funding, LLC and XXXX XXXX XXXX, XXXX are taking the XXXX, LA city court judgment, who legally had no jurisdiction over the matter, and is using political connections with outside sheriff 's departments to draft and process Garnishments that appear as a legal ruling from the XXXX district court, and XXXX district court, which is not the case. 

XXXX XXXX XXXX, XXXX as legal Agent for Midland Funding, LLC is using cyber stalking tactics to stalk me, as well as my current employment, even after being notified to cease and desist communication in connection with this junk debt account, which also entails stopping communication with my employers, and using these shady misrepresented Garnishments presented as rulings from Louisiana state district courts, which it is not. 

XXXX XXXX XXXX, XXXX is stalking my employment using XXXX  credit reports, as well as XXXX  " XXXX XXXX XXXX " service which gives Employer members the ability to see where applicants have applied for a job. I have placed a freeze on XXXX releasing any information on my file to 3rd parties credit report or " XXXX XXXX XXXX '' file. 

I would like the Federal Consumer Protection Agency, to make Midland Funding, LLC and their legal agent XXXX XXXX XXXX, XXXX to abide by Federal Law, and cease and desist communication concerning this junk debt account, which includes contacting my employers with deceptively obtained and presented Garnishment notices. I would like the Federal Consumer Protection Agency to advise Midland Funding, LLC and XXXX XXXX XXXX, XXXX to stop cyber stalking my employment. The only way, they could know my employers, is by using various underhanded means to obtain that information, because I have not disclosed my employment to them. I also do not disclose my employment on social media.

Company response to consumer: Closed with explanation