Consumer complaint received 2023-12-13
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent Midland Credit Management the below XXXX notices and request and they continue to report fraudulently that I owe them money and I have never had any business with this company and I do not owe them any money. 

XX/XX/XXXX Sent via Certified Mail w/Return Green Card # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : NEGATIVE REPORTING OF AN ALLEGED DEBT TO CONSUMER REPORTING AGENCIES Dear XXXX XXXX, I do not owe you or your company any debt. I am demanding that you remove all reporting by your company from every single credit reporting agency in existence by the deadline below. 

I am writing to dispute an alleged debt that you have been reporting to numerous consumer reporting agencies associated with my social security account number ending in XXXX since XX/XX/XXXX. In recent months, when I reviewed some credit reports I noticed your company has been making false and negative reports about my character and credit to various credit reporting agencies. 

You are alleging and reporting negatively that I owe you {$12000.00} for an alleged account for XXXX XXXX. You are impacting my XXXX score, impacting my life and ability to obtain credit, lease a residence, purchase a home, purchase vehicles and you are causing me emotional harm and distress. 

I am requesting a copy of the original application with my original signature for the alleged account. 

I am requesting the GeXXXX XXXX XXXX XXXX XXXX XXXX  ) reporting according to XXXX for both sides of the ledger for the full accounting of the alleged account. 

I am requesting that you provide copies of the original executed delegation of authority by all parties to collect on an alleged account for XXXX XXXX  for {$12000.00}. 

I am requesting a copy of the original agreement showing that I owe you or your company anything because I have never had any business relationship of any kind with you or your company and I have never signed any agreements with you or your company. 

Your deadline and response with all requested documents above shall be sent to me at the address above not later than XXXX business days after delivery to you ( confirmed by XXXX online tracking ). 

XX/XX/XXXX Sent via Certified Mail w/Return Green Card # XXXX XXXX XXXX XXXX XXXX MIDLAND CREDIT MANAGEMENT XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Dear Sir/Madam, This letter is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 U.S.C . 1692 et. seq., and the Fair Credit Reporting Act, 15 U.S.C. 1681 et. seq., that your claim is disputed, and validation is requested.

This is not a request for verification or proof of my mailing address or any other personal identifiers, but a request for VALIDATION made pursuant to the above-named Titles and Sections. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. I am giving you permission to send me validation to my address listed above. 
Please provide me with the following : What the money you say I owe is for. 
Explain and show me how you specifically calculated the entire amount of what you say I owe. 
Provide me with copies of any and all account level documents that show I agreed to pay what you say I owe to include original signatures. 
Identify the ORIGINAL creditor. 
If you purchased this alleged account, identify the SELLER, you purchased it from and ALL PREVIOUS OWNERS. 
Provide me with a copy of ANY judgment you say gives you the right to collect anything from me. 
Provide me with ANY documentation which establishes your legal standing to collect anything from me. 
If your offices are able to provide the proper documentation as requested, I will require at least 30 days after receipt to investigate this information and during such time all collection activity must cease. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit files with the credit reporting agencies and a copy of such deletion request shall be sent to me immediately. Until proper validation is provided you are to cease all collection efforts.

Company response to consumer: Closed with non-monetary relief