Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
The company is asset acceptance its the collection agency. I was contacted by them back in XXXX. Ask them what it was for that. I did not owe any past due debt that I have very good credit. I was told this was an old debt. I asked him what it was for. I was told that they would have to do some investigating because they did not show anything in their records as to what it was pertaining to it took XXXX weeks. I received a phone call and was told that they were not able to find any documents, and that she was able to find anything Other than a note on the account that said it was from back in XXXX or around that time and that it was done online and she had no further information for me her name was XXXX. I explained that this Was obviously fraud, and I didnt understand why I had to pay for something that I did not purchase and did not have or ever have. She asked me to provide a copy of a lease from that timeframe, and I explain to her that I did not have that and how was I supposed to prove something from so many years ago She told me to file a police report, which I did the police XXXX told me that because it was so old that it was beyond the statute of limitations, and there was nothing they could do and to contact the collection agency. I told him that this was what I was told to do by the collection agency the police XXXX even encouraged me to find an attorney. I contacted them again once they garnished My checking account that My then fiance was on I explained to them that they did not have a right to take money from my account on something that was not my debt, and that this was again me trying to explain to them that someone stole my identity and made a purchase in my name, and this was not my debt I was told to pay the debt or they would take me to court, which is what XXXX dealing with now, and they are trying to garnish my wages again for a debt. Thats not mine when they first started taking me to court I had no idea because The court summons was being sent To an address that I never lived at when I explained that to them, they did not listen I was told to pay the balance, or they were taking me to court. The name of the company is asset acceptance here in Michigan. I received a document from their attorney from a garnishment that I had no idea that they were doing. The garnishment release ; as I am no longer employed states Asset Acceptance LLC XXXX XXXX XXXX XXXX, MI XXXX. The attorney that has been placed on the case XXXX XXXX XXXX ; I tried calling the attorneys office and it goes to a weird recording and hangs up. I am not able to speak to anyone about the fraud that I experienced almost 20 years ago. Ive been told on several occasions when I was dealing with asset acceptance and not the attorney. That after I sent over the explanation in writing with the police report, it was taken care of, and that is obviously not the case. I am a victim of fraud, and I am being treated like a criminal. This is wrong and somebody needs to stop them from doing this to innocent people. I was instructed by my boss to file a complaint with you all that you would be able to help me as I can not afford an attorney. At XXXX point I was being harassed so bad that I was making payments just to get them to leave me alone they were calling emailing me wish I had to close my email address sending letters to my home which they are still going through an attorney I have given several people explanation as to what happened and it goes on deaf ears. I never took this that out. I never made a purchase that I have not paid for and I have never purchased a computer online from anywhere. XXXX trying to get them to remove this chat and stop the harassment that Ive been dealing with for almost 20 years.

Company response to consumer: Closed with non-monetary relief