Consumer complaint received 2022-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT continues to furnish an account to my consumer report without my written permission and without providing me with something in writing advising me of my option to opt out of any sharing of my private non-public information with any third parties. In reference to complaint # XXXX MIDLAND CREDIT MANAGEMENT claims a cease and desist does not pertain to credit reporting and that is incorrect. MIDLAND CREDIT MANAGEMENT has blatantly violated me by continuing to communicate with me after receiving a written Cease and Desist notice via certified mail. The Cease and Desist notice that I sent to MIDLAND CREDIT MANAGEMENT clearly states they must CEASE AND DESIST ALL COMMUNICATION WITH ME. The definition of communication via 15 USC 1692a is : the conveying of information regarding a debt DIRECTLY OR INDIRECTLY to any person THROUGH ANY MEDIUM. Therefore MIDLAND CREDIT MANAGEMENT has willfully violated me by communicating with me indirectly through the credit reporting agencies ( as a medium ) when they report a charged off account to my consumer report. I demand MIDLAND CREDIT MANAGEMENT to Cease any communication with me by deleting any reporting they may have done with XXXX, XXXX, and XXXX. Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS! I have also filed a complaint with the XXXX XXXX XXXX  and the Massachusetts Attorney Generals Office. I did not give MIDLAND CREDIT MANAGEMENT any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. MIDLAND CREDIT MANAGEMENT has also committed aggravated identity theft by sharing my social security number with the credit reporting agencies without my permission. No one can use my social security number but me. It was given to me by the government and no one else can use it without my knowledge or written consent. I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts until MIDLAND CREDIT MANAGEMENT can provide me with sufficient documentary evidence that I gave them written permission ( a signature on a contract is not written permission ) to share my personal information such as my social security number and to report any transactions on my consumer report. If this documentary evidence can not be produced and MIDLAND CREDIT MANAGEMENT continues to report transactions between my self, the consumer, and the person making the report, I will file for litigation for actual damages caused and MIDLAND CREDIT MANAGEMENT will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. I have filed an identity theft report with the FTC. Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!

Company response to consumer: Closed with explanation