Consumer complaint received 2025-02-16 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: MI

Complaint narrative:
This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New law regulation F which took effect XX/XX/year>. You ( ( Midland Credit Management INC ) ) have violated 807. ( A ) the character, amount, or legal status of any debt ; or 807. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken, Harassment and abuse : Forcing payment on all debts at once, especially when you have expressed a desire to pay one debt before another, could be considered harassment or abusive behavior under the FDCPA, You have failed to provide clear and accurate documentation requested to validate the debt/s ( A copy of the original credit card agreement with my signature ), and also the FDCPA 1006.30a and its new rule by parking alleged debt on my consumers reports. " Under the Fair Debt Collection Practices Act ( FDCPA ), if a debt collector attempts to " force payment '' on all of your debts at once, without allowing you to specify which debt you want to pay first, especially when you have multiple debts with them, it can be considered a violation, as they are required to apply payments according to your instructions if you provide them, and can not apply payments to a disputed debt without your consent. '' Also, Harassment and abuse : Forcing payment on all debts at once, especially when you have expressed a desire to pay one debt before another, could be considered harassment or abusive behavior under the FDCPA.

Cease and desist the reporting of the alleged debt immediately or i will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amounts to aggravated Identity theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority. a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST ( ( ) ) 15 U.S.C.1692C ( C ) Ceasing communication if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further with the consumers, the debt collector shall not communicate further with the consumer with respect to such debt. I refuse to pay this alleged debt. Cease and desist all collections activity regarding this alleged debt and PROMPTLY delete it from all consumer reports. YOU HAVE XXXX calendar days to DELETE THE ACCOUNTS FROM MY CONSUMER REPORTS! or i will take action for consumer law violation under 15 USC 16581n, 15 USC 1681 o, and 15USC 1692k, 807. ( A ) the character, amount, or legal status of any debt ; or Harassment and abuse : Forcing payment on all debts at once, especially when you have expressed a desire to pay one debt before another, could be considered harassment or abusive behavior under the FDCPA. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. Acct name : XXXX XXXXXXXX Acct # XXXX, Acct name : XXXX XXXX acct # XXXX, Acct name : XXXX acct # XXXX Failure to respond satisfactory with deletion of the above referenced account/s, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which i will also be seeking {$1000.00} per violation ; per account for defamation of character ( per se ) Negligent Enablement of identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations for willful noncompliance- 6116. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with non-monetary relief