Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (FL)

This complaint is for both XXXX XXXX and XXXX XXXX XXXX. They are BOTH reporting the same debt, which to my knowledge is a violation of law to have the same debt reported twice. By the way, XXXX is psycho, and I actually have a FEW complaints regarding them, not just one : debt collection communication practices/tactics, filing a judgment without serving, collecting on an unverified, false account, refusal to provide original documentation. I found out that these XXXX   filed a judgment against me and never even served me papers ; in fact, the XXXX  sent it to an address that isn't even mine! They dismissed the case when they saw that I started disputing the account with the 3 major bureaus. To even have a DISMISSED judgment in my public record is extremely frustrating and has caused distress, making me wonder if my information had been stolen. I've provided a copy of the online county database record of this judgment. I am prepared to sue THEM -- BOTH for damages. Did they provide the signed original documentation that I requested -- and that's required under the FCRA to provide to consumers? No ; instead, they AND XXXX XXXX XXXX continued to falsely report the truly unverified, invalidated account ( s ) as " verified '', " accurate '', and " valid '' without providing a shred of signed proof! Again, as I've said in my very recent complaints on the 3 bureaus ( XXXX, XXXX, and XXXX ), they are all complicit in this matter. I am absolutely disgusted that these companies continue to get away with just throwing out 'yep, it's verified ' to these bureaus and they're like 'okay, great, thanks! ' without even seeing ( themselves ) or providing to ME a shred of original, signed proof! First off, I've never even signed a contractual agreement with them. They know this -- and that all they can possibly provide are some fake bills that aren't even mine ( if they even have THAT ) -- which is why in SEVEN ( 7 ) MONTHS they haven't given me what they're REQUIRED to under the FCRA. It is extremely important to my person and identity as a consumer to make sure that what is reporting in my credit files has been truly, PROPERLY verified & validated. I DEMAND that XXXX XXXX and XXXX XXXX XXXX  provide a signed original consumer contract / original instrument of indebtedness ( with my actual, wet signature ) in its original form ; if they do not, then I demand that these accounts be IMMEDIATELY DELETED from my credit reports. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. It is a crying shame that it takes upwards of 7 months of pleading to get what you're owed as a consumer. Companies like this hide behind the bureaus and assume that most of us will just give up on trying any further to dispute and request required info.