Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XX/XX/XXXX and XX/XX/XXXX written letters were mailed out addressed to XXXX XXXX and Department agents of Midland Credit Management Inc. ( MCM ) via CERTIFIED MAIL RECEIPT ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX along with other correspondence that was not mailed certified demanding them to cease and desist ) requesting : supply verification, why they think I owe the debt and to whom I owe it, identify all names and addresses of the creditor/s to whom the debt is currently owed, the account number used by that creditor/s, and the amount owed, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. Provide verification and documentary evidence ( 15 USC 44 ) that there is a valid basis for claiming that I am required to pay the debt to the current creditor ( provide a copy of the written agreement that created my original requirement to pay ). The amount and age of the debt, including : copies of the last billing statement/payment history. State the amount of the debt when MCM obtained it, and when that was. Disclose any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.

Tell me when the creditor claims this debt became due and when it became delinquent along with identifying the date of the last payment made on this account. Details about MCM authority to collect this debt. Does MCM Inc have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If they were unable to provide the above in its entirety, to cease and desist.

MCM submitted no documentary evidence/ proof of what I requested. Hosted multiple phone conversations where I requested proper licensing that provided them authority to contact me, they provided me with no such evidence. They provided no contract, no agreements, no history of payments, no proof they purchased the alleged debt amongst other evidentiary documentation requested, but above all, in their initial letter of correspondence ( see attachments ) They fraudulently presented themselves as licensed in the State of California. Following correspondence, they provided no active business license necessary to collect in the state of California pursuant to California Consumer Financial Protection Law, 2021 ( CCFPL ) and the Debt Collection Licensing Act, 2022 ( DCLA ), Consumer Financial Protection Bureau ( CFPB ).

Company response to consumer: Closed with explanation