Consumer complaint received 2023-03-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I, being a natural person in fact a national person, a private person, a living soul, a consumer and secure party and not a statutory person residing in the state of New York in the country of America called XXXX XXXX do hereby solemnly declare say and state one secure party is hearing everything stated in this truth affidavit is the truth the whole truth and nothing but the truth and all stated is true correct complete and not missing or misleading. NO THIRD PARTIES ALLOWED. 
PLAIN STAEMENTS ABOUT THE FACTS : FACT, the truth in lending act is intended to inform consumers about the cost of credit. 
FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 
FACT, AFFIANT is aware and has proof in attachment labeled as exhibit ( A ) XXXX XXXX Is in violation of 15 USC 1692 ( C ) ( A ) a debt collector may not communicate with a consumer in connection with the collection of any debt. 
FACT, AFFIANT is aware and has proof in attachment labeled exhibit ( A ) XXXX XXXXXXXX XXXX is in violation of 15 USC 1692 ( B ) ( 2 ) AND ( B ) ( 5 ) AS THESE LAWS APPLY TO ALL CREDIT COLLECTION AGENCIES ALL VIOLATIONS MUST BE ANSWERED FOR 15 USC 1692 D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass oppress or abuse any person in connection with the collection of a debt without limiting the general application of the foregoing the following conduct is a violation of this section.

( 2 ) the use of obscene or profane language or language the natural consequence of which is to abuse the hero or reader 15 USC 1692 b Section ( 2 ) Any debt collector shall not state that such consumer owes any debt. 
Identify, state that he is confirming or correcting location, information concerning the consumer and only if expressly requested identify his employer not state that such consumer owes any debt not communicate with any such person more than once unless requested to do so by such persons or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information not communicate by card Section ( 5 ) not use any language, symbol on any envelope, or in the contents of any communication affected by the mail or telegrams that indicate that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

15 USC 1692 C ( A ) COMMUNICATION with the consumer without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, a debt collector may not communicate with the consumer in connection with the collection of any debt. 
abusive tactics there is abundant evidence of the use of abusive deceptive and unfair debt collection practices by many debt collectors abusive debt collection practices contribute to the number of personal bankruptcies to marital instability to the loss of jobs and to invasions of individual privacy. 
communication and connection with debt collection at any unusual time or place or a time or place known, or which should be known to be inconvenient to the consumer in the absence of knowledge of circumstances to the contrary a debt collector shall assume that the convenient time for communicating with the consumer is after XXXX o'clock and before XXXX o'clock post meridiem. 
A debt collection agency shall not come to the consumer or call to the consumers place of employment especially when the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communications. 
Cease and desist all communications with me as a consumer under my consumer rights I WOULD LIKE THE original contract for this account and I would like all information validated for this account as I do not know this account I would like all recorded information on this account I would like date, time, place where the contract was made, the signature of the person who signed the contract and any and all information that has anything to do with this account I also ask that you not contact me. 
I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise.

15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer, a notice that complies with section 6803 of this title.

( B ) OPT OUT ( 1 ) in general, a financial institution may not disclose nonpublic personal information to non-affiliate third parties unless ( A ) such financial institution clearly and conspicuously discloses, to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third parties ( B ) the consumer is given the opportunity that such information is initially disclosed to direct that such information may not be disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I opt out of any disclosures to any third parties or non-affiliates of this financial institution any credit unions credit bureaus credit reporting agencies I do not give any written permission to XXXX XXXX XXXX and its affiliates to disclose my personal information as I have a right to privacy and my personal information is solely mine. 
15 USC 45 PRIVACY MISSION OF FTC 5 USC552a PRIVACY ACT OF 1974 15 USC 6802 6809 GRAMM LEACH- BLILEY ACT 15 USC 1681 FCRA I opt out of any disclosures to any third parties I ask that you remove any reports that you have given to a third party to place on my consumer report that means XXXX XXXX XXXX and all other credit reporting agencies I opt out! I have given you in writing My unwillingness to allow you to give third parties and non-affiliates any of my personal information I ask that you remove from my consumer report on all platforms any information that you as a financial institution has given to a non-affiliate expeditiously remove all of my personal information from all credit reports and data furnishing firms! I opt out!!!!!! yours truly XXXX XXXX. 
provided in this subchapter a financial institution or creditor may not directly or through any affiliate disclose to a nonaffiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( B ) opt out one in general a financial institution or debt collector may not disclose nonpublic personal information to nonaffiliated third parties unless hey such financial institution or debt collector clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party B the consumer is given the opportunity that such information is and neatly disclosed to direct that such information may not be disclosed to such third parties and ( C ) the consumer is giving an explanation of how the consumer can exercise that non-disclosure option THIS IS HARASSMENT AT ITS GREATEST IM AM AFFRAID AND IN DURESS I NEED HELP PLEASE THESE LAWS SHOULD HELP ME AND IT SEEMS THAT CONSUMER LAW IS BEING USED AGAINST THE ONES IT SHOULD BE HELPING

Company response to consumer: Closed with explanation