Consumer complaint received 2024-03-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (TX)

I have requested the following items from Midland Credit XXXX times in the past 9 months and all I have received is the billing statements which is not what I requested. 
XXXX. The XXXX XXXX that Midland Credit has with the alleged original creditors. 
XXXX. The full contract agreement I allegedly signed with my full wet verifiable physical signature from said original creditors. 
XXXX. Documentation demonstrating how Midland Credit acquired the debts, how much it was purchased for in a dollar amount by Midland Credit, and how they accessed my personal information including emailing me with the threat of a lawsuit on XXXX when I never received any physical letters before that stating the alleged debt was in collections with my name on it. 
XXXX. The agreement and contract with Midland Credit with my full wet verifiable physical signature stating that I owed a debt to their company and allegedly agreed to pay it. 
XXXX. The business license for Midland Credit to collect on alleged debts in the state of Texas. 
XXXX. Copy of the chain of custody to collect the alleged debt from original creditors to Midland Credit. 
None of these things were sent and they continued repeatedly to have me threatened with a lawsuit and went as far as to have process servers call me to find out where I was to have me served with a lawsuit when it clearly states that all debt collecting actions must cease when a dispute is taking place. I have screenshots and photos of them calling me at my job and on my cell phone when I told them to only contact me through the mail. They clearly can not verify any of these alleged debts and I am requesting the alleged debts, along with my personal information, be removed from their systems, erased from my credit report and they pay me a settlement for harassment. 
Their responses to the disputes are dated the day received but are not sent out in the mail until the XXXX dispute deadline is nearly up which gave me only XXXX to XXXX days to respond and that is underhanded tactics by a predatory company. I have all of the certified mail receipts and copies of the disputes I have sent over the past 9 months along with the responses from Midland Credit with the dates they put on the response along with the dates I received them. 
All of these alleged debts have been reported as closed and charged-off accounts and according to XXXX 15 USC 1681B of the FDCPA they are not to be put on my credit reports and this company has failed repeatedly to validate the alleged debts as well. I read them all through the CFPB Database of Agreements and not one of the credit agreements states anything about the alleged debts being sold to a third party to be collected in my name and making me responsible for them. Midland Credit pays XXXX cents on the dollar for these debts as well and demands consumers pay the full amount that was already charged off by the original creditors and reported on their taxes for tax breaks. 
I appreciate your help in this matter. Thank You.