Consumer complaint received 2025-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. under the New Rule Regulation F which took effect XX/XX/year>, you have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and desist the reporting of this alleged Debt immediately or i will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to aggravated theft pursuant to 18 1. s1028A. You have knowingly transferred, possessed or used without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
I AM A LITIGIOUS CONSUMER. I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST YOU. 15 U.S.C S1692c ( c ) Ceasing communication if the consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and desist all collections activity regarding this alleged debt and PROMPTLY delete it from all consumer reporting agencies that you have given information to at once. The reporting of such inaccurate reputation, my general way of life and my ability to obtain and maintain credit for personal and house purposes. You have damaged my livelihood. 15 U.S. Code S 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information Prohibition. 
( B ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details. Prohibition : a law or regulation forbidding something 15 USC 1681 s-2 says you are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 n, 15 U.S. 1681 and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNTS FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. This is your final opportunity to Cure and DELETE this erroneous, inaccurate account from my consumer report. You have 10 ( TEN ) Calendar days to DELETE this account from my consumer reports or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 and 15 USC 1692k. XXXX XXXX XXXX. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692 violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance -616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief