Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Formal Rebuttal, Demand for Remedy, and Notice of Violations ( ON BEHALF OF : XXXX XXXX / XXXX XXXX ) Midland Credit Management , Inc. XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit Reporting , Copyright/Trademark Infringement , Identity Theft , and Financial Injury Formal Demand for Immediate Removal and Remedy Dear XXXX XXXX This letter , submitted on behalf of XXXX XXXX ( also XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX rebuttal, demand for immediate remedy, and notice of material violations by Midland Credit Management, Inc. ( Midland ) . Your recent actionsincluding unauthorized contact with my employer seeking garnishment of {$6000.00}, reporting inaccurate and negative information to multiple credit agencies, and refusal to provide any contract or wet-ink signatureare unlawful and actionable under state and federal law. 

No Consent, No Contract, Unauthorized Action At no point have I entered into a contract, purchase agreement, or provided written or verbal consent for XXXX to collect or report any alleged debt in my name. Any use of my personal identity, including both XXXX XXXX and XXXX XXXX, is unauthorized, and your communication with my employer regarding wage garnishment is a violation of my privacy and employment protections. 

Failure to Validate XXXX Wet Signature, No Proof You have failed to provide any original XXXX signed agreement, contract, or purchase assignment validating your right to claim or collect any alleged debt, as required by 15 U.S.C. 1692g and related statutes. In the absence of such proof, all collection activity and reporting must cease immediately. 

Inaccurate, Negative Credit Reporting Causes Hardship Your negative and inaccurate reporting to the XXXX major credit reporting agencies, without a valid contract or my consent, has caused financial defamation, employment risk, and measurable hardshipcontrary to the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all controlling consumer law and case law, including XXXX XXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. 

Identity Theft and Privacy Violations ( DAPP ) Your reliance on my name, Social Security number, and proprietary identity information, without any verified rights, constitutes identity theft and a violation of the Digital Accountability and Privacy Protection ( DAPP ) principles. These unlawful acts require immediate corrective action and cooperation with any fraud investigation. 

Copyright and Trademark Infringement Enclosed and referenced is my XXXX XXXX XXXX, fully documenting my intellectual property among identifying data. Any unauthorized use for collection, reporting, or communication is a violation of federal copyright and trademark law, entitling me to statutory and actual remedies under 17 U.S.C. 501-504 and related statutes. 

Notice of Liquidated Damages and Remedy Each day that inaccurate, unauthorized, or false credit reporting or collection activity continues, Midland is liable for {$10000.00} per day in liquidated damages, as well as any and all statutory and actual damages for copyright/trademark infringement, defamation, and consumer law violations. 

Demand for Immediate Remedy : Immediately and permanently delete all entries and negative information regarding this matter from all credit reporting agencies and employer records. 
Cease and desist all communications, collection efforts, and any contact with my employer or any third party. 
Provide written, certified confirmation of full removal and cessation within XXXX ( XXXX ) business days. 
Provide copies of any original contracts or wet-ink signatures and purchase or assignment agreements ; if none exist, confirm your lack of legal basis for further action. 
Compensate for all actual and statutory damages as allowed by law, including for intellectual property violations and financial harm. 

Failure to comply will result in prompt complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, New York Attorney General, U.S. Copyright Office, and all necessary legal action. 

Sincerely, On behalf of XXXX XXXX / XXXX XXXX Attachment : XXXX XXXX XXXX

Company response to consumer: Closed with explanation