Consumer complaint received 2022-12-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have already sent a signed cease and desist letter to Midland Credit Management , Inc . They have not only continued to contact me but sent letters about an alleged debt full of consumer rights violations. 

A consumer has the right to privacy in accordance with 15 U.S.Code 6801 I did not give Midland Credit Management written permission to access my non public private information Pursuant to 15 U.S.Code 1692a ( 4 ) creditor means any person who extends credit creating the debt. I extended the credit which makes me the original creditor.

15 U.S.Code 1692b ( 5 ) states, any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, this is a violation. 

I did not give prior consent to communication with the debt collector, midland credit management. There was no prior consent from a court giving permission to contact me in collection of any debts and thus this communication by Midland Credit Management , inc. is a violation of 15 U.S.Code 1692c ( a ).

Midland Credit Management , inc. statement [ " If we dont hear from you or receive payment by XX/XX/2022, we may proceed with forwarding this account to an attorney ] is language which is obscene and has caused anguish and anxiety for me. This is a violation of 15 U.S.Code 1692d ( 2 ). 

Midland Credit Management , inc . Statement [ If your account is forwarded to an attorney, this may result in a lawsuit against you. ] is language which is obscene and has caused anguish and anxiety for me. This is a violation of 15 U.S.Code 1692d ( 2 ).

The false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). How can Midland Credit Management, inc. allege I owe a debt, but the debt is shown in a positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me. 

PRE-LEGAL NOTIFICATION is a violation of 15 U.S. Code 1692e ( 3 ), the false representation or implication that any individual is is an attorney or that any communication is from an attorney. 

I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Original Creditor : XXXX XXXX, XXXX. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). As I stated, I the consumer and natural person, is the original creditor. Only I can extend credit. 

I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Original Creditor : XXXX XXXX, XXXX. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). As I stated, I the consumer and natural person, is the original creditor. Only I can extend credit. 

I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Current Owner : Midland Credit Management , inc. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). 15 U.S. code 6801 states that I have a right to privacy. How can Midland Credit Mangement, inc. Own my nonpublic personal information? 

I have proof in EXHIBIT ( A ) with reason to believe and do so believe the statement [ " Current Creditor The sole owner of this debt : Midland Credit Management , inc. ] is FALSE and DECEPTIVE and this is a violation of 15 U.S.Code 1692e ( 10 ). AGAIN, 15 U.S. code 6801 states that I have a right to privacy.

According to the law, 15 U.S. code 1692b ( 2 ), a debt collector shall not state that such consumer owes any debt.

I have already sent a cease and desist and requested VALIDATION of alleged debt according to 15 U.S. Code 1692g. All I received was billing statements which is a violation and I continued to receive these harassing letters over and over. 

This statement is from my exhibit as proof of continued harassment from Midland Credit Management , inc. [ as previously requested by you, we will no longer be contacting you regarding this account by phone or in writing unless required by law or you request that we resume communications. ] Midland Credit Management , Inc. also violated 15 U.S. Code 1692f which states, A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 7 ) Communicating with a consumer regarding a debt by post card. I also have proof of this violation of federal law.

I have not requested to resume communication and yet I am still being harassed. Clear violations of federal law.

According to 15 U.S.Code 1692k ( a ) ( 2 ) ( A ) states an individual action is a violation worth {$1000.00} dollars, meaning each violation is worth {$1000.00} dollars. In accordance with 1 U.S.Code 1, words importing in the singular include the application to several persons, parties, or things, and therefore the single mention of the word action can mean each individual set of actions costs {$1000.00} dollars per violation.

According to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor. I am demanding all of the following : Deletion from all consumer reports. 
Remove all remarks or comments off my consumer report. 
And pay by check {$10000.00} to I the consumer for multiple violations of federal law. 
If you accept my request, I will not escalate this matter to Federal Court. In case you dont accept the above request, a legal action shall be taken against your company for compensatory damages. 

Thank you.

Company response to consumer: Closed with explanation