Consumer complaint received 2017-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
In XX/XX/XXXX I pulled a copy of my credit report and discovered that Midland funding was showing that I owed them {$840.00} after investigating my reports I found that they were a collection company and that they alleged I had a dept. with XXXX XXXX. 

I sent Midland Funding several letters asking for them to send me verification of this debt such as a contract I signed with Midland funding or any other documentation bearing my signature, Showing that I owed any debt. 

I sent them a letter dated XX/XX/XXXX, they signed for it on XX/XX/XXXX, They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill. ( I have attached all correspondence this complaint to the complaint. ) I sent them letter # 2 onXX/XX/XXXX They signed for it on XX/XX/XXXX, again they just sent me a response that just says that they confirmed the information is correct. and no proof of the debt or that I would owe midland funding anything. 
I sent letter # 3 dated on XX/XX/XXXX It was signed for on XX/XX/XXXX - They never sent a response back, they have ignored all my request for verification. 

Furthermore they failed to mark my Credit Reports as being Disputed within the 30 days from when they signed for the first letter I sent. They have never marked any of my credit reports as being disputed. I, in-fact contacted the credit bureaus and had them add a dispute statement to Midland Funding.
I have also been getting contacted by people in my area that Midland Funding is calling them  looking for me. One of them is my Niece who was quite confused because they told her a last name that I never had, they gave her an address she lives at that I have never lived at and told her how much the debt was and accused her of lying and told her they knew she was me on the phone, they threatened her and told her they were going to take her to court and sue her. They had her very scared, so she contacted me, she also stated that they have been calling her number several times a day. 
This account is not mine, I contacted the Original Alleged Creditor via the information that Midland funding provided and they stated that I DO NOT OWE them anything. I DO NOT have any contract with Midland Funding and Midland funding has not been able to provide any " Verification '' that I even ever owed this debt nor that I owe Midland funding anything.
I Would like this problem to be taken care of. I feel that I have done everything I can by sending Midland funding request for verification and I feel like they have had more than enough time to comply. They have violated several laws. This is not my debt and they have failed to provide any proof of the debt, I do not have any contract with them where I own them any money, They are reporting on my credit reports and they are calling and threatening people who are not involved in any of this.

Company response to consumer: Closed with explanation