Consumer complaint received 2023-07-01 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: IA

Complaint narrative:
I AM A FEDERALLY PROTECTED CONSUMER AND UNDER THE FDCPA I HAVE RIGHTS. I HAVE BEEN VIOLATED BY MIDLAND FUNDING ACCT # XXXX. I REJECTED AND I STILL REJECT MIDLAND FUNDING OFFER TO CONTRACT. I DID NOT NOR DO I CONSENT to any NON-AFFILIATED THIRD PARTY ( MIDLAND FUNDING ) to be in possession of my Non-public Personal Information. THIS IS A BREECH OF PRIVACY ACCORDING TO XXXX ACT, FEDERAL TRADE COMMISION THE ( FTC ). I NEVER GAVE MY PERMISSION TO ( MIDLAND FUNDING ) USE OF ANY of my NON PUBLIC PERSONAL INFORMATION to commit fraud by putting this, ALLEDGED, AND VERY DAMAGING COLLECTION ON MY CONMSUMER REPORT. I WAS DENIED A EXTENSION OF CREDIT RECENTLY DUE TO THIS COLLECTION ON MY CONSUMER REPORT THAT MIDLAND FUNDING REPORTED. 1. MIDLAND FUNDING THIS IS YOUR NOTICE TO DELETE THE COLLECTION FROM MY CONSUMER REPORTS 2.THIS IS MY 2ND NOTICE to CEASE AND DESIST ALL illegal activity and ALL communications with me and the furnishing of this false credit information ON MY consumer report which IS considered communications and ILLEGAL activity ON XX/XX/22 I SENT THE CFPB A DISPUTE ABOUT YOUR VIOLATIONS AND TOLD YOU THEN THIS. MIDLAND FUNDING YOU ARE IN VIOLATION OF 15 USC 1692C. YOU HAVE VIOLATED MY FEDERAL CONSUMER RIGHTS AGAIN I AM NOT REQUESTING validation of any alleged debt as obtaining as Non Public Personal Information but without my lawful, legal authority THIS constitutes Aggravated Identity Theft 18 USC 1028A. By CONTINUING reporting this on my consumer report this alleged debt SOLD BY ( XXXX ) TO ( MIDLAND FUNDING ) WITH MY NON-PUBLIC PERSONAL INFORMATION TO YOUR THIRD PARTY DEBT COLLECTION COMPANY ( MIDLAND FUNDING ). I now have STRONG reason to believe that YOU BOTH ARE conspiring against me trying to EXTORT ME on a EXTENSION OF CREDIT through unlawful EXTORTIONATE MEANS. 18 USC 894 STATES a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. There is NO TRILATERAL CONTRACT BETWEEN US ( MIDLAND FUNDING ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of Indiana ESTABLISHES MY STANCE SO THERE IS NO LEGAL LAWFUL OBLIGATION FOR ME TO HAVE TO PAY ( MIDLAND FUNDING ) THERE IS NO CONTRACT NOR EVER WILL BE A CONTRACT BETWEEN XXXX. THE FAIR DEBT COLLECTION PRATICES ACT ( XXXX. ) AND THE FEDERAL TRADE COMMISION ( FTC ) WERE CREATED TO PROTECT FEDERAL CONSUMERS LIKE ME FROM DEBT COLLECTORS THAT VIOLATE, AND CAUSE DAMAGES LIKE I HAVE RECIEVED. MIDLAND FUNDING ARE IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT WHICH STATES " Section 5 of the Federal Trade Commission Act ( FTC ACT ) ( 15 USC 45 ) prohibits ''unfair or deceptive acts or practices in or affecting commerce. BY MIDLAND FUNDING REPORTING THIS ALLEDGED DEBT ON MY CONSUMER REPORT I WAS DENIED AND PROHIBITTED FROM A EXTENSION OF CREDIT FOR HAVING THIS " MIDLAND FUNDING COLLECTION # XXXX '' ON MY CONSUMER REPORT. NOW DUE TO THIS FALSE CLAIM MIDLAND FUNDING YOU ARE RESPONSIBLE AND YOU HAVE PROHIBITTING ME FROM OPERATING IN COMMERCE WHICH IS MY FEDERAL RIGHT ESTABLISHED BY US CONGRESS. AND MIDLAND FUNDING ARE NOW IN VIOLATION OF THE FEDERAL TRADE COMMISION ACT ( F.T.C ACT ). I AM PREPARED TO SEEK FEDERAL JUSTICE, AND DEMAND ALL MY FEDERAL RIGHTS BE PROTECTED,, AND FEDERALLY ENFORCED UNDER 15 USC 1692e ( 8 ) is a violation under the FDCPA allows ME to sue debt collectors for false credit reporting. This part of the law tells debt collectors not to falsely report, or report something that they should know is false. AND UNDER THE FAIR DEBT COLLECTIONS PRATICES ACT ( FDCPA ) YOU ARE IN VIOLATION OF 15 U.S.C. 1692d A debt collector in collecting a debt, may not harass, oppress, or abuse any person. For example, a debt collector may not : Use or threaten to use violence or other criminal means to harm the physical person, REPUTATION, or property of any person. BY MIDLAND FUNDING ACCT # XXXX " FURNISHING THIS ALLEDGED DEBT ON MY CONSUMER REPORT YOU ARE DAMAGING MY CONSUMER REPUTATION. AGAIN I WAS DENIED A EXTENSION OF CREDIT DO THIS COLLECTION ACCOUNT ON MY CONSUMER REPORT. AGAIN WE HAVE NO CONTRACT. I DONT HAVE ANY BUSINESS DEALINGS WITH MIDLAND FUNDING NOR DO I DESIRE TO. IMMEDIATELY DELETE THE ALLEDGED DEBT FROM MY CONSUMER REPORT. AND BE ADVISED UNDER 15 USC 1692K I AM ENTITLED COMPENSATION DO TO YOUR VIOLATIONS OF THE FDCPA THATS {$1000.00} PER VIOLATION FINDINGS. AND I AM NOW POINTING OUT I FOUND FDCPA VIOLATIONS. I DEMAND MY DUE CIVIL DAMAGES BASED ON 15 USC 1692K CIVIL LIABILITY. I DEMAND TO BE MAILED {$2000.00} FOR DAMAGES ACCORDING TO THE FDCPA IN A CERTIFIED CHECK TO MY MAILING ADDRESS XXXX XXXX XXXX IOWA XXXX, IA XXXX. THEN DELETE THIS COLLECTION FROM OFF ALL MY CONSUMER REPORTS IMMEDIATELY. MY FEDERAL CONSUMER PROTECTION RIGHTS HAVE BEEN ESTABLISHED BY THE F.D.C.P.A, FCRA, FTC, CFPB. FEDERAL LAW IS TO BE COMPLIED BY THIRD PARTY DEBT COLLECTORS ( MIDLAND FUNDING ) MUST FOLLOW THE FEDERAL LAW. DELETE THIS COLLECTION NOW AND MAIL ME MY CIVIL DAMAGES I AM ENTITLED IN A CERTIFIED CHECK WHICH I AM DUE IMMEDIATELY UNDER THE FDCPA FOR MIDLAND FUNDING VIOLATING MY CONSUMER RIGHTS. IM ASKING FOR THE CFPB TO REGULATE THIS SITUATION AND ALSO LOOK AT THE PRIOR REPORT I HAD FILED AGAINST MIDLAND FUNDING TO THE CFPB REPORT # XXXX IT WAS SENT ON XX/XX/22. YOU WILL CLEARLY SEE THE FDCPA VIOLATIONS IN THIS CASE AGAINST MIDLAND FUNDING.

Company response to consumer: Closed with explanation