Consumer complaint received 2023-10-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Subject : Midland Credit Management : Account # XXXX I have made written requests to Midland Credit Management and They have Ignored, my written requests, refused to answer or delete the incorrect information Stop the collection effort on debt that I do Not own Failing to Validate the Debt!

I- Request for Documentation Debt Validation In Compliance with CFPB Debt Collection Regulations II- Request for Documentation Debt Validation In Compliance with Fair Debt Collection Practices Act ( FDCPA ) III- Notice of Formal Dispute ( Attached ) In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below you Midland Credit Management have violated my rights under 15 USC 1681 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

pursuant to Fair Credit Reporting Act 15 U.S.C 1618 et sec, I am requesting that the information regarding this account be verified or immediately removed from my credit report Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

FCRA section 611 & 5 U.S.C.S You are required to conduct thorough investigation when I dispute incorrect information reported by you my credit report Pursuant tp FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you MCM are required to provide me ALL relevant information gathered during investigation including current status of this account. I Have made several written requests and you have FAILED -Refused to do so.

Midland Credit Management Repeatedly Refused to verify/validate this debt Midland Credit Management Repeatedly invaded my privacy by unjustifiably intruding into my personal life without my consent Midland Credit Management has Repeatedly, unjustifiably, intentionally deformed my character in public Midland Credit Management has violated federal law by improperly using my personal information in my credit report Midland Credit Management has Threatened to ruin my life and my reputation by keeping this collection in my credit I have asked Midland Credit management to validate debt and provide the following documents but they have refused neglected to do so ( see below ) : Original signed contract that shows I am responsible for this debt My credit application for this debt Proof that you have the legal authority to collect on this debt Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name.

In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.

State the amount of the debt when you obtained it, and when that was.

If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.

Tell me when the creditor claims this debt became due and when it became delinquent.

Identify the date of the last payment made on this account.

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.

Details about your authority to collect this debt.

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.

In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.

****Please Remove this debt from my credit report Immediately 1- Midland Credit Management to remove Immediately this negative improper inaccurate derogatory information from my credit report

Company response to consumer: Closed with non-monetary relief