Consumer complaint received 2021-12-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MIDLAND CREDIT XXXX THIRD-PARTY DEBT COLLECTOR IS FRAUDULENTLY CLAIMING AUTHORITY OVER THE EXECUTOR OFFICE TO ADMINISTRATE FOR THE XXXX XXXX XXXX I NEVER SIGNED AN AGREEMENT WITH THE ALLEGED CREDITOR. THIS IS NOT THE ORIGINAL CREDITOR. I DON'T OWE THE ALLEGED DEBT OF {$1700.00} AND THIS IS A DUPLICATE ACCOUNT. MIDLAND CREDIT MANAGEMENT XXXX INC IS A THIRD-PARTY DEBT COLLECTOR WHO BOUGHT A DEFAULTED NOTE FROM XXXX XXXX XXXX ON XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT IS ATTEMPTING TO SUE ME FOR DEBT THIS IS NOT MINE. I NEVER GAVE MY EXPRESSED WRITTEN CONSENT TO MIDLAND CREDIT INC AND ITS ASSOCIATES TO CONTACT ME ABOUT THIS ALLEGED DEBT. 

XXXX, XXXX, XXXX, & XXXX, XXXX will forthwith return and transmit the written evidence of your delegated authority to represent that you and MIDLAND CREDIT MANAGEMENT is authorized to administrate ( acting trustee ) on the XXXX XXXX, together with certified copies of signatures contract between you and consumer name, original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance, and any Third-Party Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX private information XXXX XXXX members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon XXXX XXXX. COURTS REQUIRE your contract for jurisdiction. I XXXX XXXX PERSON, dispute this debt and ALL claims in accordance with XXXX XXXX XXXX, Title XXXX XXXX XXXX, Regulations Z, Regulations M, and ALL applicable UCC Articles. 

Midland Credit Management XXXX XXXX, was recently sued and settled for XXXX in consumer redress and a {$15.00} XXXX civil money penalty for violating the consent order by suing consumers without possessing documentation as required by the consent order, using law firms and an internal legal department to engage in collection efforts without providing disclosures required by the consent order, and failing to provide consumers with loan documentation upon request as required by the consent order by the XXXX XXXX XXXX. 

MIDLAND CREDIT MANAGEMENT IS IN VIOLATION OF : XXXX XXXX XXXX XXXX. False or misleading representations A debt collector XXXX not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. 
( XXXX ) The false representation of XXXX XXXX XXXX the character, amount, or legal status of any debt; or XXXX XXXX XXXX any services rendered or compensation which XXXX be lawfully received by any debt collector for the collection of a debt. 
( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
( XXXX ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the XXXX, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. 
( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( XXXX ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter. 
( XXXX ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer. 
( XXXX ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
( XXXX ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with legal action. 
( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
( XXXX ) The false representation or implication that documents are a legal process. 
( XXXX ) The use of any business, company, or organization name other than the true name of the debt XXXX business, company, or organization. 
( XXXX ) The false representation or implication that documents are not legal process forms or do not require action by the consumer. 
( XXXX ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section XXXX ( f ) of this title. 
( Pub. XXXX XXXX, title XXXX, XXXX, as added Pub. XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; amended Pub. XXXX XXXX, XXXX. A, title XXXX, XXXX ( a ), XXXX XXXX, XXXX, XXXX XXXX. XXXX. )

Company response to consumer: Closed with explanation