Consumer complaint received 2023-09-07
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Let it be unequivocally stated : Midland Credit Management , INC, your harassment and demeanor shall not be countenanced, given that Midland Credit Management , INC has transgressed numerous provisions under the Fair Debt Collection Practices Act ( FDCPA ). It is imperative to comprehend that you are not immune to the legal constraints that you are legally bound to uphold. 

On the XXXX XXXX XXXX XXXXXXXX  I received a distressing missive from Midland Credit Management , INC, which advanced the threat of a lawsuit pertaining to an alleged debt. First and foremost, your organization has transgressed Title 15 of the United States Code, Section 1692d, by engaging in actions that can only be categorized as harassment and abuse. Such behavior will not be countenanced. 

Secondly, Title 15 of the United States Code, Section 1692e, has been violated through the dissemination of false and misleading statements concerning my person. Furthermore, it should be duly noted that your organization, lacking the legal credentials, can not aptly designate a " Pre Legal Notice '' without infringing upon the FDCPA. 

Thirdly, I wish to assert that I have never entered into any contractual arrangement pertaining to the alleged debt which you persist in harassing me about. I vehemently demand to inspect any document bearing my signature, indicating my consent to engage in business dealings with your organization. It is worth noting that your actions run afoul of Title 15 of the United States Code, Section 1692i ( B ), which expressly states that " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. '' Consequently, your claims hold no legal standing in my regard, and any attempts at extortion shall be resolutely repelled. 

Failure to elucidate the allegations contained within your correspondence would also constitute a violation of the FDCPA. It is disconcerting that you intend to exploit my personal information for dissemination among various entities. As per your purported document, multiple parties may possess my personal identifying information, none of whom have sought my consent or input in relation to this alleged transaction. Consequently, your actions border on an extortionate endeavor, thus contravening Title 15 of the United States Code, Sections 6801 A ) and B ) ( 1 ), ( 2 ), and ( 3 ). I hereby demand that you elucidate your intentions concerning my personal identifying information and delineate the measures you intend to undertake to safeguard said information. 

A comprehensive investigation into Midland Credit Management , INC has revealed a disconcerting pattern of duplicitous conduct. Your organization has been implicated in the practice of robo-signing affidavits, which culminated in a legal judgment of {$500000.00} against you in Minnesota. Additionally, your organization faced legal repercussions in Johnson vs. Midland for misrepresentation against potential victims in Maryland, similar to the circumstances surrounding my case. There exists an abundance of cases that substantiate your unscrupulous tactics. The litany of cases lost by your organization serves as a damning testament to your propensity for deceit and your readiness to flout the law. One could compile a voluminous tome detailing these lost cases, underscoring your organization 's nefarious practices. Equally, one could assemble another substantial volume chronicling the grievances lodged against your malevolent enterprise. Given your egregious track record, it is arguable that your operation should have long ceased. 

A perusal of case XXXX alone suffices to underscore my resolute aversion to any association with your business or its subsidiaries. I categorically disavow any purported debt or account associated with your organization. Your unlawful correspondence clearly intimates a proclivity for obfuscation and equivocation, with its demand for an explanation that fails to redress my legitimate concerns regarding your extensive history of misrepresentation. I shall conclude with this declaration : I shall bring to light the reprehensible nature of Midland Credit Management , INC . I shall not remit a solitary cent, especially for an alleged debt that I do not owe. I insist upon the immediate closure of this alleged account within your offices and the cessation of all collection activities associated with it. Failure to acquiesce to my demands shall result in legal repercussions pursuant to Title 15 of the United States Code, Section 1692k.

Company response to consumer: Closed with explanation