Consumer complaint received 2017-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a XXXX letter to XXXX, it was for validation on XXXX debts which they are reporting on my credit report. I will attach the letter and the tracking certified mail with a return to sender postage. I feel that they have not validated anything and yet they still continue to report on his report inaccurate information and reporting non validated accounts.The violations of FDCPA i see are as follows : also reporting false and inaccurate information to credit bureaus on amounts owed as there is discrepancies between what they say He owe 's and what is seen in letters and the reporting on credit reports. 

1 ) FDCPA 808 ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. On account - ORIGINAL CREDITOR : XXXX ACCOUNT # XXXX, MIDLAND ACCOUNT # XXXX the account was charged off with original creditor at a high balance of {$1000.00}. that is what is stated on his credit report from XXXX charge off and that is thee amount even they sent him as the final bill with XXXX. SO HOW IS IT NOW THEY WANT {$1200.00}? I SPECIFICALLY ASKED IN THE XXXX LETTER FOR A CONTRACT WHICH THEY OBVIOUSLY DO N'T HAVE!, SO THEY ARE ILLEGALLY ADDING FEES, OR CHARGES SINCE THEY DO N'T HAVE THE ORIGINAL CONTRACT BEARING HIS SIGNATURE. 


2 ) THEY ARE A DEBT BUYER, NOT A COLLECTION COMPANY ACTING ON BEHALF OF THE XXXX. SO THEY ARE THE SOLE OWNERS OF THE DEBT YET THEY CLAIM ITS '' XXXX '' WHO IS RESPONDING TO HIS CLAIM OF VALIDITY ON DEBT. VIOLATION OFFDCPA807 ( 14 ) -The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization. 

FDCPA 812 ( a ) & ( b ) - ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating./ ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.15 USC 1692k. 


AND VIOLATION OF FDCPA 807 ( 9 ) - The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 


3A ) FDCPA809 ( e ) Notice provisions. : The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of XXXX [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.15 USC 1692i/ 3B ) violation ofFDCPA809- ( a ) Notice of debt ; contents -Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing, VIOLATION OFFDCPA809 ( 3 ) THIS IS THE 1ST COMMUNICATION ..FDCPA809 ( 3 ) .a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt

Company response to consumer: Closed with explanation