Consumer complaint received 2024-04-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX, XXXX All Rights Reserved Without Prejudice XXXX C/O XXXX XXXX XXXX XXXX 
XXXX, TX [ XXXX ] Re : Case # : XXXX Fraudulent MCM  # : XXXX Fraudulent Original Creditor : XXXX XXXX XXXX Fraudulent Original Account # : XXXX Fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX This complaint is in regard to a discovery I made that Midland Credit Management XXXX XXXX made aware of. I was going over everything for our upcoming court date and I discovered that Midland Credit Management made a clear and distinct federal violation that does not need to be proven because it is in XXXX XXXX XXXX. Because Midland Credit Management has made this false claim against me as well as violated federal laws, I am requesting your companys XXXX XXXX information. I need to make a claim for negligence, fraud, identity theft, and other injuries due to all that Midland Credit Management has done to me. 
Please note that in the beginning of our communications I requested verification of this alleged debt and Midland Credit Management sent me back a copy of some numbers on a word document! Please be aware that is not verification. Verification means that you have to go to the original creditor or source of the numbers and validate and verify those numbers. Sending back a spreadsheet or screenshot is not validation, according to the Consumer Financial Protection Bureau ( CFPB ). Such records are not admissible in court and are not an exception to the business records rule. 
Show me how I was given a loan by anyone. 
Show me how I was put in default. 
If the contract was executed when you claim it was then where did you get your numbers? 
Is it not from somebody else? 
Is that not hearsay? 
Is that " somebody else '' still around to be able to testify and be cross examined by me as to whether that amount is valid or not? 
Therefore, I must sue you for taking a threatening action against me that you can not take. I will be filing a claim against your companys bond for a deceptive act, misrepresenting the character and amount of the alleged debt. 
I Demand that you explain how you arrived at that number with admissible evidence. Remember you must be on point to the dollar. This can only come from the alleged original creditor. It can not come from self-serving affidavits or from employees of your corporation! 
Please note that Debt XXXX May Not Pull Credit : XXXX XXXX XXXX ( b ) qualifies who has a permissible reason to pull a credit report. Midland Credit Management as a Debt Collector have no permissible reason and can be sued under this statute because you are not a creditor, and I did not apply for credit or insurance with your company, I did not apply for employment with your company, So Midland Credit Management is not allowed to pull my consumer report, Yet there it is in XXXX XXXX XXXX of your company CLEARLY VIOLATING THIS FEDERAL LAW more than 6 times! 
Please be advised that I am putting you on notice that I, XXXX XXXX XXXX, XXXX, am a natural, living, woman and you are making a claim against my property. Midland Credit Management has no right to make a claim against a natural, living, human being. 
The fact that Midland Credit Management writes to me and tells me that they did not purchase this account until XX/XX/XXXX. Yet, Midland Credit Management pulled my consumer report on XX/XX/XXXX. How is this possible when Midland Credit Management claims to have purchased this debt on XX/XX/XXXX? This tells me that Midland Credit Management obtained my social security number through purchase from XXXX, received a copy of my consumer report and other nonpublic information without permissible permission, and manufactured this debt, essentially XXXX my identity! From my investigation an individual does not have to provide a social security number to XXXX XXXX because they are a NO CREDIT CHECK BUSINESS! 
Midland Credit Management XXXX my nonpublic information off of my consumer report, placed my information onto a word document as if it came from XXXX XXXX or XXXX XXXX and now you are making a fraudulent claim against me via the court system! 
Not to mention XXXX XXXX is being sued by the FEDERAL GOVERNMENT THE CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) as we speak! XXXX XXXX is in a pending litigation with The Consumer Financial Protection Bureau ( CFPB ). I will be placing all of these facts into evidence before our court date on XX/XX/XXXX as well! 
As I stated before I do not know who Midland Credit Management is. I have never done business with your company. Midland Credit Management has never brought forth a contract between myself and your company, coupled by the fact that Midland Credit Management violated Federal Law by obtaining a copy of my consumer report on XX/XX/XXXX, and then again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. But Midland Credit Management states that they merely purchased this account on XX/XX/XXXX. Midland Credit Management can buy up as much debt as you wish but you can not buy consumers nonpublic, private, personal information without their consent. 
XXXX goes against XXXX of the XXXX Laws - XXXX XXXX! 
Midland Credit Management needs to bring forth any natural, living man or living woman from your company, XXXX XXXX, or XXXX XXXX XXXX to come to court on this matter, that has first-hand knowledge of this fraudulent contract and be willing to testify under penalty of perjury! Someone with first-hand knowledge of a contract between me and Midland Credit Management who will swear to it under oath and that includes any attorney that wants to speak on the record! 
If you can not do that then please send me your surety bond information for producing a false claim! You cant come in and say anything with an attorney or not because anything you say or produce is XXXX! You are putting hearsay documents and hearsay evidence into the court. I will make sure you are sworn in under oath and on record! 
Again, I need the XXXX XXXX XXXX XXXX for Midland Credit Management as well as {$1000.00} for each violation for pulling my consumer report without permissible permission and without my written consent. 



XXXX XXXX XXXX, XXXX All Rights Reserved Without Prejudice XXXX