Consumer complaint received 2017-02-09
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a collection account on my credit report maintain under my Social Security number from Midland Funding LLC on XXXX XXXX, 2016 I sent them a certified formal letter formally requesting validation of the debt pursuant to the Fair Debt Collection Practices Act. I 'm Seeking competent evidence bearing my signature showing that I ever had some contractual obligation to pay them, validating this debt as mine and letting them know that any negative marks found on my credit reports from their company for a debt that I do n't owe, is a violation of the Fair Debt Collection Practies Act ; therefore stating to them if they could not validate the debt and provide me evidence and validation of my signature they must notify all credit reporting agency 's XXXX XXXX XXXXXXXX to delete the entry also reminding them that XXXX XXXX XXXX team seq., that this letter / notice has the same effect as a dispute to the validity of the alleged debt and a dispute to validate of my claim I received a letter from Midland funding dated XXXX XXXX, 2016 stating that they are the sole owner of this debt purchase from XXXX Bank stating that after reviewing my letter from XXXX XXXX, 2016 that they were unable to determine the nature of my dispute and they consequently denied that there records were inadequate and the debt is accurate. Upon receipt of my certified letter Midland funding had 30 days beginning XXXX XXXX, 2016 to notify the credit agencies that I had disputed the validity of this item and placed on my credit report ( Disputed by Cosumer ) which they did not place on my credit report required by law XXXX XXXX ( XXXX ) and they violated the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) by not placing the disclosure within the required 30 day attached is a copy of my credit report dated XXXX XXXX, 2016 The XXXX XXXX XXXX XXXX, 2016 I sent a second letter to Midland funding stating to them that they have not provided any available evidence bearing my signature showing that the account is being reported accurately, I formally requested again provide me any documentation bearing my signature showing that I have a legal binding obligation to pay them, and this debt is valid and to please provide me the name address telephone number of each person who personally verify this alleged account so I can inquire how they verified without providing any proof bearing my signature to myself as requested in writing. I also reminded Midland funding they are liable for willful noncompliance as per FDCPA XXXX false and misleading representation [ XXXX XXXX XXXX ] their response again is the information is correct from the letter I received XXXX/XXXX/16 and still no verification or validation with any evidence bearing my signature on any contract saying that Iam responsible for the alleged debt.On XXXX XXXX, 2016 I sent Midland Funding A third letter reminding them of their willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - responsibility of furnishers of information to consumer reporting agency 's [ XXXX XXXX ] did not furnish me any proof or validation of my signature on a contract for this alleged debt, there violation of Federal Law by not properly providing credit bureaus with the proper notice within the required time frame and that I had disputed the item in question.I believe that Midland Funding is acting in bad faith, and not have complied with the Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX Debt Collector Practices.

Company response to consumer: Closed with explanation