Consumer complaint received 2024-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX of XXXX ( no subject ) Inbox XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX ( 5 days ago ) to XXXX  Notice of Intent to Sue XX/XX/XXXX XXXX  Re : MCM Account XXXX Midland Funding LLC : Please be aware that I initially requested that you validate this debt per FDCPA 809 on XX/XX/XXXXXXXX. You have received multiple written reminders of this obligation and phone calls to XXXX and e-mails. In these letters I also invoked my right to a direct dispute per FCRA. 



My direct dispute attempts have been met with an illegal attempt to shift the burden of proof to me. 



My attempts to dispute the information via the Credit Reporting Agencies have been met by MCMs verification of false information. 



My requests for MCM to provide proof that I owe the debt have been met with additional attempts by MCM to collect the debt. 

FCRA 623 ( a ) ( 8 ) ( D ), 16 CFR 660.4, all bar MCM from attempting to collect a debt until proper verification is done. FCRA 623 ( a ) ( 8 ) ( D ) and 16 CFR 660.4 by requiring you to provide evidence and conduct an investigation before making any further attempt to collect the debt.

In violation of FCRA 623 ( a ) ( 8 ) ( D ), 16 CFR 660.4 MCM has made several attempts to collect the debt in an address that I dont reside in.. I was also served at this property. All correspondence were going to an address which I dont reside Sending debt collection letters, and verifying false information to the credit reporting agencies. 

MCM provided several pieces of false information to the major credit reporting agencies. First and foremost, the entire account is invalid and should have been deleted immediately upon MCMs first notice of this. Further, MCM uses many deceptive practices in their reporting including falsifying the nature of the account by stating the terms are 1 month, falsely identifying the account as a factoring account, falsely labeling the account as an open account, providing conflicting and false date opened information and providing false account status. Also no proof of itemized statements nor a contract bearing my signature after multiple attempts of requesting these documents For these reasons, you can expect a lawsuit to be filed against you.. 



without further notice for : 1 ) Violation of the Fair Credit Reporting Act 2 ) Violation of the Fair Debt Collection Practices Act 3 ) Defamation of credit 4 ) Negligence 5 ) Loss of opportunity 6 ) Violation of accumulated interest on a debit that is on dispute with no answers to a policy report.

7 ) Injunction seeking immediate court ordered relief from further credit damage.

This list may grow based on input from legal advisors.

At this time I am willing to accept a settlement to avoid using the courts to resolve this matter. The terms which I will settle are : 1 ) MCM agrees to consider the alleged debt paid in full so that they can not sell or otherwise transfer the debt to any other collector for later collection activity.

2 ) MCM agrees to have the trade line deleted from all three major credit reporting agencies.

3 ) MCM agrees to never attempt to collect any debt from me at any time in the future.

I agree not to pursue any further action in the matters discussed in this letter.

Please consider this a firm offer to settle. You may accept this offer to settle by sending me your written acceptance letter and within 10 calendar days of receipt of this letter. I hereby bind myself to these terms. I hope to get this passed us as I have provided all the documentation need to prove this debit does not belong to me. 



Signed, XXXX XXXX I have been disputing this matter this XX/XX/XXXX and they have neglected a response. The account continues to accurate interest. Though midland has neglected responding.

Company response to consumer: Closed with non-monetary relief