Consumer complaint received 2022-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management is a company that needs to be shut down by the government. A company that has been harassing me for two bills that I have no idea where they came from. I am starting to think that they create debts & put in peoples name. I honestly think that with all those data bridges that I have been a victim of is surely coming back to haunt me. I have written over 10 certified letters to this scammer company asking for a debt validation letter to prove to me that the debt belongs to me & 10 certified letter later nothing besides they computer generated letter. They even have the nerves to ask me to prove the debt is not mine when they are the one harassing me that I owe them. A company I never knew existed prior to there harassment. I have not done business or received any services from this company. Not sure if this company has lawyers but clearly they do not know the law. When you accuse or drum up accusations that someone owes your company the burden of proof is on you. Not me! We live in a world where someone can get your social from the dark market or a million data bridges & apply for things in your name without even leaving there home. I am not a person that would not pay their bills. It has been over a year this company has not sent me any validation that the debt belongs to me. Over a year of requesting it. They keeping writing me saying the vent is verified. HOW? WHEN? WHERE? The refuse to sent me the proof. I requested some many things from this company because I know the debt do not belongs to me thats why I have no problem asking them to prove it. Midland Management thinks that they can bully people into what they want. I am making sure I put this in writing so that it is one record what this company has been doing. Its is down right harassment & I have been leaving a paper trail because They like to call people bluff but I promise when I am doing bringing a court case against this company for all the harassment & stress they have brought to me & my family they will interact more with their lawyers. How can a company constantly harass you about bills that you dont owe. There are in California how did they provide services to me in Florida. This is the credit company they talk about that violates your rights by the constant harassment after being told several times not to. When they dont validate a debt but expects you to pay it. When the company can not validate/ verify the debt belongs to you they can no longer report it on your credit report. Its been over a year of non stop harassment about owing them money. When will Midland credit management stop breaking the law & violating people right under the fair credit act? When is enough enough? I been reporting to my medical doctor for a year this company has been having on my condition & they advise me to take them to court & let the pay you. This company is putting fake accounts & paper works together just for their benefit. Show me paperworks with my wet signature because the people that are committing fraud against you is XXXX steps ahead of you. You can not mail someone papers saying they owe you without any proof. Computer generated papers are not proof.

Company response to consumer: Closed with explanation