Consumer complaint received 2022-10-14
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It all started back in XX/XX/XXXX when I pull my credit report from XXXX XXXX XXXX and XXXX and XXXX XXXX. When I noticed a collection hit my report, the collection was made from Midland credit management at that point I knew they had already violated my consumer protection act, 15 USC 1692H section 809 a within five days after the initial communication with a consumer in connections with the collection of any debt a debt collector shout unless the following information is contained in the initial communication or the consumers pay the debt send the consumer a written notice containing certain information. Midland did not send me any communication or even reach out to me they simply just went on and put it on my credit report. On or about XX/XX/XXXX I filed a complaint with the CFPB complaint number XXXX stating that they were an accurate reporting on my credit report and that I want certain information to validate this debt. Midland never even answered your complaint as you stated that they would. So on XX/XX/XXXX I pulled my report again from experience file number XXXX XXXX. And explain it to Midland that under the 15 US code 162 I have the right to ask them for validation of the debt. What I did ask them was for the original contract payment disclosure interest rate disclosure balance history payment history and credit insurance. I gave them 30 days to respond and they did not respond. On or about XX/XX/XXXX I pulled my credit report from XXXX XXXX  reference number XXXX I noticed it was no change from Midland credit. On XX/XX/XXXX Midland sent me another letter stating that his debt was being old and that the accuracy and credit reporting was correct. On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX and XXXX explaining that this collection is reporting in accurate and that's a violation of my rights and that I wanted this account to be removed nothing never happened. I on XX/XX/XXXX I sent another letter to Midland explaining to them and ask him them where is the validation of this debt and I was executing, right under the FCRA and I went into state the violations the I found while dealing with Midland these are the following violations that I told them that they were violating 15 USC 1690 to b ( 2 ), 15 use 1692F ( 8 ), 15 use 1692b ( 5 ), 15 use 1692j, 18 use 1028a, 15 use 1692e ( 11 ), 15 use 1692 ( g ). Once I stated this to them I kindly asked him to please remove the debt and which I could collect {$1000.00} per violation and as you can see the seven violations and that one letter which is {$7000.00}. On or about XX/XX/XXXX I found another complaint with the CFPB for a improper use of credit reporting and once again Midland did not reply nor did they delete the collection of my report on all about XX/XX/XXXX XXXX XXXX since me a pre-legal notification pretty much threatening me on or about XX/XX/XXXX Midland since me another accurate of credit reporting. Going on about XX/XX/XXXX I sent Midland XXXX and desist letter asking them per the Federal credit deck collection act 15 USC 1692C you are here by notified to immediate seas communication concerning the Collection of the debt associated with the above reference account. Midland still didn't care. Oh no about XX/XX/XXXX I sent another letter to XXXX XXXX XXXX and XXXX asking them to please remove this credit collection off my report because it's reporting in accurate. On I vote XX/XX/XXXX I came across a court document case number XXXX XXXX XXXX the bureau of consumer financial protection versus encore capital group and Company Midland funding LLC Midland credit management and Company an asset acceptance capital courts which means that this company has been sued for an accurate in answering disputes I also came across in XX/XX/XXXX the violations that was stated in the complaint regarding Midland please take a read of that at this point at this point I gave it a break for a minute to regroup on what my next action was I'm trying to get this company to remove this collection or provide me the information stating it's my debt and they're able to collect in the state of New Jersey. XX/XX/XXXX Midland decided to send me another pretty legal notification threatening me to take me to court so once again I sent them another letter stating to validate this debt, and after receiving that letter I called him and asked him what was the subtle amount they told me there was none they want a full payment Midland has been reported every month different amounts on my credit report one amount will be XXXX the next amount will be XXXX they're doing this to keep prolonging the time that this debt will be removed off of my report XXXX of this month Midland since me another threatening prelegal notification but nothing. At this point I feel like Midland ruining my life and stopping me from being able to get other credit from other people this is a defamation of my character and for that reason I am asking for this account to be deleted from off of all three credit reporting and I am seeking monetary relief in the amount of {$4000.00}. If you take a look at complaints XXXX, XXXX, XXXX you will see me and then does this and they have been sued over and over again please look at your complaints even with your company who have sued XXXX  for doing this kind of stuff

Company response to consumer: Closed with explanation