Consumer complaint received 2024-05-10 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: TX

Complaint narrative:
Pursuant to claim # XXXX response from MCM says Please note that we require additional time to fully investigate the matter and provide the information requested. In accordance with the XXXX XXXX XXXX, we have ceased collection efforts and will not furnish information for the accounts to the XXXX major credit reporting agencies during this period. Thank you for your understanding. A response will be provided upon the conclusion of our investigation. I have not receive response and they are still reporting to agencies. MCM has no regard to follow laws and my constitutional rights as a consumer. Im pleading that CFPB step in and pursue legal action against ( Lender ) Midland Credit Management. ( MCM ) continues to violate my rights and disregard consumer laws that the government put in place to protect consumer that are being bullied and harassed by these lenders. MCM involved in the alleged loan, did not purchase the promissory note from the consumer, hereinafter the Alleged Borrower. If not rebutted, this statement stands as truth XXXX ) Proof of claim : The Alleged Borrowers may repay the alleged loan with the same species of money as may be on the loan per GAAP, ending all interest and liens. If not rebutted, this statement stands as truth. A. Proof of claim : The Alleged Lender converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower ( which has an economic effect similar to stealing, counterfeiting, and swindling. ) If not rebutted, this statement stands as truth. B. Proof of claim : The Alleged Lender has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. If not rebutted, this statement stands as truth. C. Proof of claim : The Alleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value, and they pursued to securitize it! If not rebutted, this statement stands as truth. Please provide me with the below mentioned items : * The amount you claim the Principal owes you. * IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. * Full accounting ledger. * All legal documents. * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount. * The identity of the original creditor. * Confirmation that the account has not crossed the statute of limitation ( SOL ) period. * Evidence that you are a licensed debt collector. * Evidence of your license numbers and your registered agent. FACTS ON THE MATTER : 1. Fact, I so invoke nunc pro tunc, Pursuant to 15 U.S.C. 1681a ( c ) declare that I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in Due course of any and all derivatives thereof for the surname/given name and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will autograph as the agent, attorney in fact, and I furthermore Demand that you delete and request for you contact your reporting agencies and have your reports removed, XXXX. Fact, Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a VIOLATION of my consumer right. 3. It is a Fact that Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. XXXX. It is a Fact that Pursuant Title 15 USC 1681a ( e ) - The production of an " investigative consumer report '' involves obtaining information about a consumer 's character, reputation, personal characteristics, or lifestyle through personal interviews with their neighbors, friends, associates, or others who may have knowledge of the consumer. This information is used to form a report that provides a comprehensive understanding of the consumer. 5. Fact, I the consumer, original creditor do so extend my open ended credit on file to eliminate any verified debt, all valid debt must be verified and documented on record by wet ink signature, so be it, and ; 6. Fact, that I by this notice and demand declare I have no verified evidence for certified mailings, and again for the record, I have absolutely no knowledge of the alleged debts listed on your website, company records, or any and all derivatives therefore, of, and/or with any affiliates or agencies acting as a real party or a third party interlopers, I again state I have no knowledge of this indirect, unverified, debt, so be it, and ; 7. Fact, I am an eyewitness to the information by allegations against my name being incorrect, and I demand the documented verification of any and all derivatives for an alleged debt for any such debts alleged to be mine the consumer in fact, so be it, and ; 8. I do not know any of the alleged creditors and debt collectors, so be it, and ; 9. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds, so be it, and ; 10. Fact, I know that no valid direct verified contracts exist with me and another party by wet ink signature, I know that any attempt to collect a debt is actually alleged indirect action, please verify and document all verifications, accordingly, so be it, and ; 11. Fact, all allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful. You had 4 business days from the receipt of this notice to block and remove all fraudulent items and remarks from my consumer file or I may seek damages Pursuant to 15 U.S. Code 1681m. Additionally, I DO NOT consent to any automated scan response or e- Oscar verification methods. CERTIFICATION I certify under penalty of perjury under the laws of the United States of America pursuant to 28 USC 1746 ( 1 ) that the foregoing is true and correct. Validation Request Pursuant to Fair Debt Collection Practices Act ( 15 USC 1692g ) I am writing to dispute the validity of the debt you have claimed I owe and to request validation of said debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692g. I do not acknowledge any legal obligation to pay the debt as asserted by your agency until competent evidence is provided to validate its existence and ownership. I am not requesting mere verification or proof of my mailing address, but a thorough validation of the debt, as required by law. Please be advised that any negative reporting of invalidated information to XXXX, XXXX, or XXXX may constitute fraud under Federal and State Laws. Should such reporting occur, I reserve the right to take legal action against both your agency and your client for violations of the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and defamation of character. Next step I ask the CFPB to aid in seek long punitive damages if MCM continues the blatant regard for the law.

Company response to consumer: Closed with explanation