Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
COMES NOW, XXXX XXXX XXXX, XXXX living, sentient, breathing, natural woman ) bring forth this claim against MIDLAND CREDIT MANAGEMENT , INC. XXXX XXXX XXXX of XXXX, I sent MIDLAND CREDIT MANAGEMENT , INC XXXX notice addressed to XXXX XXXX Requesting them to provide me with documentation to validate any allege debt I may lawfully owe. Proof that said company provided me with valuable consideration and that a lawful valid contract exist between both parties. I do not know said corporation nor have I ever done business with this corporation. MIDLAND CREDIT MANAGEMENT , INC is reporting Fraudulent, Mis-leading and Deceptive information in an attempt to extort payment from I, the living natural woman after unlawfully obtaining my private information without my consent. Which can be construed as " Identity Theft '' 15U.S Code 1681a ( q ) ( 3 ). Without prior consent by the consumer under the protection within Title X, for Truth and Lending Act, ( TILA ), 15 U.S. Code 1692c ( b ) in actions of allege debt collections. I have identified with personal research for consumers accounting, recordings have several errors on the statements of accounts of the consumer file, pursuant to Fair Debt Collection Practices Act. ( FDCPA ) 805 Communication in connection with debt collection, this complaint states verified claims for damages that shall be reported as actual injury personal for claims to your Office Of Risk Management. this is to inform you that I recently received a certified record of my credit report by the reporting company publishes with inaccurate harmful data on the consumer without verification by the consumer protection against known third party transfers, or assignments and buyer as Debt Collectors. Additionally, pursuant to ( 18 U.S. Code 1028 ) ; evidence was present upon reviewing the records as filed. As validation in the report, various items listed on the report are inaccurate thereby, caused negative results for consumer transaction without verification from the original creditor, as defined in FDCPA 809 ( 15 U.S. Code 1692g ) validation of debts. The accounts in question are listed below for the person identified as the legal name in commerce are deemed unlawful unless stipulated by the registered owner ( s ) listed as indexed by County Clerks records. Send me all supporting communications, delivery personal courier only United States Postal Services, mails including verified evidence for the published documents personal identification ( ID ) that you have listed in your files, notation as of this date permitting you used to verify the accuracy of the alleged consumer accounts listed below. Accounts : MIDLAND CREDIT MANAGEMENT , INC, In accordance with consumer laws ratified by Congress, Fair Credit Reporting Act ( FCRA ) 609, ( 15 U.S. Code 1681g ), provides that as the consumer, I have by this verification of the accuracy on the consumer 's file, demand that you disclose to me all the witness verifications for the filed documents deemed as consumers. The Gramm-Leach-Bliley Act ( GLBA ), violations of personal identification, that you have recorded and retained in your data base. Moreover, at the time of this request concerning the consumer goods accounts that you are reporting in my credit report with the last 4-digits of the social security number ( 2021 ). You should not respond to my letter, for the legal entity, assumed name without stating that the deemed account is verified without substantial evidence from the consumer of its authentication and proof to the accuracy as published. Send me certified copies within the guidelines defined in ( FRCP 901, 902 ) ; the production of the following consumer documents under penalty of perjury, that you have mail delivered by the consumer that is memorialized in your files that were used to verify the posted errors for the claims. If you do not have any documentation in your files to verify the accuracy of this disputed account, then please delete them immediately as required under FCRA 611 ( a ) ( 5 ) ( A ) ( i ) ( 15 U.S. Code 1681i ). By the data collectors publishing the inaccurate unverified personal data in consideration of any unauthorized false misleading symbols. Recognized the compliance codes including the stated items within FDCPA 801-818 ( 15 U.S. Code 1692-1692p ) on my credit report and distributing them to 3rd parties, you are damaging my reputation and credit worthiness. According to federal law, FCRA 611 ( 15 U.S. Code. 1681i ), all unverified accounts must be promptly deleted.

Company response to consumer: Closed with non-monetary relief