Consumer complaint received 2024-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NY)

Subject : Request for Immediate Removal of Unauthorized Account from Credit Report Dear Midland I am writing to address a concerning matter regarding an account that has appeared on my credit report, which I have no knowledge of and have not engaged with your company in any capacity. The account in question does not have any association with me, and I have not signed any agreement with your company. 

As such, I demand the immediate removal of this account from my credit report. It is imperative that your company provides validation of this debt with the original contract, as well as exhibits of all information used to validate this debt. I assert that I am the only original creditor capable of validating this debt, and it is not mine to bear.

Furthermore, I insist that Midland c ease and desist all activities related to this illegal account, including the use of my personal information, as I have had no business dealings with your company and have not provided any signed documentation.

It is important to note that your company 's actions may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ) laws and regulations under 15 USC 1692e, 15 usc 1692c, 15 usc 1692f, 15 usc 1692k, 15 usc 1692g, 15 usc 1692j and 15 USC 1681i ( e ) ( 8 ) /15 USC 1681s-2. I expect full compliance with the law in this matter.

I anticipate your prompt attention to this request and the immediate resolution of this issue. Failure to comply will result in further action to ensure the protection of my rights and credit standing. 



Sincerely, XXXX XXXX XXXX inaccurate/not validated/ violation under FDCPA Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX D/O/B XXXX XX/XX/scrub>XXXX XXXX TO whom it may concern, I am letting you know that your company have been very intrusive, YOUR COMPANY IS ON MY REPORT WITHOUT ANY PERMISSION ESPECIALLY WITHOUT A CONTRACT AND WET INK SIGNATURE, BY LAW YOUR NOT SUPPOSE TO REPORT ILLEGAL AND FRAUDULENT INFORMATION. THIS ACCOUNT IS NOT VALIDATED OR VERIFIABLE. REMOVE AND AND DELETE ALL INFORMATION WITH MY NAME/SSN # /BIRTHDAY YOU DO NOT HAVE MY CONSENT TO HAVE OR USED MY INFORMATION. I AM THE ORIGINAL CREDITOR ONLY I CAN VALIDATE THIS ALLEGED DEBT. 


Your company Violated all FDCPA/FCRA, FEDERAL and STATE Laws : 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair practices, 15 U.S. Code 1692g - Validation of debts ( a ) ( 1-5 ) ( b ). 15 U.S. Code 1692j - Furnishing certain deceptive forms.

15 U.S. Code 1692c - Communication in connection with debt collection.

18 U.S. Code 1341 - Frauds and swindles 15 U.S. Code 1692h - Multiple debts 15 U.S. Code 1692j - Furnishing certain deceptive forms Rule 1002. Requirement of the Original Cease and desist validation of debt All collection activity must stop. Stop reporting to the reporting agencies. 
Stop communicating. 
Stop reporting My personal information. I did not give or ask your company to report my personal information. 
Stop debt activity immediately. 
15 usc 1692c, I didnt give your company the direct instruction to report this account or others to the agencies.

I refuse to pay a debt that I do not owe. Respectfully DETACHED all information to delete this account from all three credit profiles immediately. 


Sincerely, XXXX XXXX XXXX