Consumer complaint received 2021-09-23
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
AFFIDAVIT OF TRUTH XXXX XXXX XXXX, a consumer a natural person of age and competent to testify, based on my own personal knowledge : XXXX XXXX XXXX a consumer, a natural person pursuant to federal law 15 USC 1692a ( 3 ). ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. 
XXXX XXXX XXXX a consumer, a natural person the ORIGINATOR MIDLAND FUNDING, LLC pursuant to federal law 15 USC 1692a ( 4 ). ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. 
XXXX XXXX XXXX a consumer a natural person The ORIGNATOR MIDLAND FUNDING, LLC is providing you my written consumer report pursuant to Federal law 15 USC 1681a ( d ) ( 1 ) ( d ) CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for As a consumer, a natural person I have the right to privacy pursuant to federal law 15 USC 1681 ( a ) ( 4 ). ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
Pursuant to 15 USC 1681b ( e ) ( 1 ) ( e ) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS ( 1 ) IN GENERAL A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. 
I am demanding each account listed below removed or delete from my consumer report pursuant to Pursuant to 15 USC 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX a consumer a natural person did NOT consent to or give express written permission to furnish these accounts on my consumer report. Please provide proof of consumer express written consent forms for accounts listed below. 
I am demanding deletion of entire account listed below : 1. MIDLAND FUNDING, LLC- Remove or delete this account from my consumer report. 

XXXX XXXX XXXX a natural person is requesting an investigative consumer report and if you investigate individuals please provide documentary evidence of who you interviewed and if you interviewed them it should NOT include facts pursuant to federal law 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

1. Consumer is NOT in receipt of any document which verifies that corporation MIDLAND FUNDING, LLC have standing to collect any money allegedly owed in Florida.

2. Consumer is NOT in receipt of any document which verifies that MIDLAND FUNDING, LLC has standing to collect any money that they claim I owe in the state of FLORIDA.

3. Consumer is NOT in receipt of any document which verifies that I have a contract with MIDLAND FUNDING, LLC 4. As a result of the harassment by MIDLAND FUNDING, LLC. I have been damaged financially, socially and emotionally.

Company response to consumer: Closed with explanation