Consumer complaint received 2022-03-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Midland Funding which is located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX has continued to harass me over 2 debts on my consumer reports XXXX, XXXX and XXXX that i have no knowledge about and is making false implications about threatening for legal action if i do not pay them. i have never seen a contract that shows i have done business with them or authorization that gives them the legal rights to collect from me. Midland Funding has not provided me with the proper validation according to 15 usc 1692g. Also they have violated 15 usc 1692f. I have not received any proof that there was a such agreement that expressly authorizes this debt collection agency to collect on an Alleged debt which is a violation of the FDCPA. I sent a debt validation letter to them via certified mail on XX/XX/2022 and they did not respond to me at all which is also a violation. This company has also been contacting me without my prior consent which is a violation of 15 usc 1692c.. The law clearly Defines that " communication '' is the conveying information regarding an alleged debt through " any '' Medium 15 usc 1692a ( 2 ). Notice it clearly says " any '' medium. 
Meaning you harass me with mail, phone calls, emails, and searching for location information from family members you are communicating with me without my consent. This is a violation of the FDCPA of {$1000.00} each time you break this law. 

So I am asking that you prove to me that I owe your company and alleged debt and I have done business with you. The Fair Credit Reporting Act states that a consumer report is any Written, Oral, or communication of any information by a consumer reporting agency. This means a consumer report is essentially the communication of information regarding a consumer. Since this is being reported on my consumer report They are communicating and I am demanding They cease all forms of communication through any medium. This included mediums such as 1. Telephone 2. Letter in the mail 3. Social Media 4. Email 5 Consumer report According to 15 USC 1692e. A debt collector may not use any false or misleading representation. This includes the false Implication that any communication is from an attorney. Also, failure to pay any debt will result in garnishment. These are more violations of {$1000.00} you are committing. 

This company is illegally using my social security number and other personal identifiers without my consent which is a violation of federal law and a form of identity theft. Your company is committing felonies purusant to 18 usc 1028 aggravated identity theft I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this alleged debt off of my consumer report accordingly

Company response to consumer: Closed with explanation