Consumer complaint received 2016-04-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have asked Asset Acceptance to verify debt that they say I owe. I have called and written them. I had to file a police report and dispute the account with experian but equifax will not remove the false information. I have disputed it with equifax several times and they will not remove it because asset acceptance keeps reporting the debt but will not verify it with me. I called the original debtor as well and they refer me back to asset.. They are playing games and will not prove the debt is mine nor give me any information. 
I sent the letter to XXXX and asset acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX Dear XXXX XXXX XXXX I am writing in response to the two telephone calls, the latest made on Wednesday, XXXX XXXX, 2016 at XXXX and XXXX XXXX, 2016. I am disputing the debt claim from XXXX regarding the account XXXX. A debt claim has become associated to my name. 
Your account representative " apple '' informed me of a deliquent account claiming the debt stemmed from a charge. '' She herself seemed unsure of the exact details. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt and a copy of a judgment, the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. 
I have previously requested on Monday, XXXX XXXX, 2016 and XXXX XXXX, 2016 at XXXX and XXXX XXXX XXXX XXXX send me the appropriate documents verifying the legitimacy of the supposed " debt '' as well as proof of XXXX 's claim to the supposed " debt '' owed. 
I again requested the documentation in writing for a third time. 

For the 4th and last time, I respectfully request in writing that you provide me with the following information : ( 1 ) the amount of the debt ( 2 ) the name and address of the original creditor to whom the debt is owed ( 3 ) Verification of the debt and a of a copy of court judgment as required by the FDCPA ( 4 ) Proof that you are licensed to collect debts in XXXX and XXXX ( my current residence ) ( 5 ) Proof that I am the " XXXX XXXX '' who you have on the account Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this debt in writing, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense you can not add interest or fees except those allowed by the original contract or state law you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX. XXXX is a two-party notification state so I am therefore informing you of my intention to record all further calls from XXXX. 
I have disputed this debt ; therefore, until validated, you know your information concerning this debt is inaccurate. It is therefore your responsibility to prove its legitimacy, not mine. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute

Company response to consumer: Closed with explanation