Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Be advised that I hereby dispute the validity of the alleged debt listed above entirely. XXXX XXXX  Midland Credit, XXXX XXXX XXXX XXXX illegally collected the above-listed alleged debt and took payment on a debt that I do not owe, EXTORTION and theft by deception. Defamation of character and Slander of my name. Fraud and GROSS MISREPRESENTATION. No consideration, False advertising such as advertising " loans '' based on the customer 's own credit. I have an absolute right to rescind a signature from any contract or agreement that was not fully disclosed to me. Such a contract or agreement is null and void, as if it never existed at all, and all to return to the lawful owner plus reasonable money and interest. I am not obligated by any contract or agreement obtained under conditions of fraud, deceit, or non-disclosure. Reporting Late payment and Utilization is illegal! XXXX XXXX Midland credit, XXXX XXXX XXXX XXXX have 10 calendar days to update my late fees and reporting balance or balance utilization to 5 % or below and or delete all reporting balance Utilization and late fees from the below account/s or I demand account DELETED Wherefore there can be no payment of debt. Only discharge of debt, acceptance and return for discharge. 1692K Civil liability. Civil liability for willful noncompliance. 15 U.S.C. 1681o - U.S. Code - Unannotated Title 15. Commerce and Trade 1681o. Civil liability for negligent noncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. I agree to pay any financial obligation which I might lawfully owe, on the condition that you provide : 1. Validation of the debt- that is, the actual accounting per GAAP .

2. Verification of your claim against me. A signed invoice or sworn affidavit.

3. A copy of the contract binding both parties, XXXX XXXX XXXX XXXX Midland credit, XXXX XXXX and XXXX XXXX. 

1. I need full Disclosure. I was not told that I was actually creating the credit.

2. Equal Consideration brought nothing of value to the table and had nothing XXXX XXXX XXXX XXXX Midland Crdit, XXXX XXXX lose. 
3. Law terms and conditions were based on fraud! 
4. The wet ink signature of both parties. 

XXXX XXXX XXXX XXXX, Midland Credit. XXXX XXXX actual damages, Defamation of character, consumer rights violations, multiple violations of Federal Debt Collection Practices Act ( FDC PA ), Fair Credit Reporting Act ( FCRA ), fraud, aggravated identity theft, Identity theft, extortion, theft by deception, Securities and Exchange Commission ( SEC ), Generally Accepted Accounting Principles ( GAAP ) fraud, Conspiracy and Racketeering of {>= $1,000,000}. 

Within XXXX calendar days after receipt of a notice, shall return a, XXXXXXXX XXXX XXXX XXXX Midland Credit XXXX XXXX any money that has been given to anyone in connection with this transaction and shall take any action necessary to reflect the termination of the security interest. XXXX XXXX will further pursue all of my legal remedies without further notice. This letter serves as evidence that XXXX XXXX has attempted to resolve this matter formally before filing a court case. I will demand discovery and trial by jury. Failure to properly respond will be followed up with our FTC, XXXX  and Attorney General complaint, fee schedule and lawsuit. XXXX vitiates the most solemn contracts, documents and even judgments [ U.S. vs. XXXX, 98 us 61, at pg.65 ]. It would be unjust to allow one who made false representations to retain the fruits of a bargain induced by such representations. XXXX XXXX XXXX, 43 Wis 2d 166.

Company response to consumer: Closed with explanation