Consumer complaint received 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Sent the original creditor XXXX XXXX XXXX a negotiable instrument to pay the debt in full of {$590.00}. XXXX XXXX did NOT honor my attempt to remedy the matter. I received a letter from said furnisher XXXX XXXX XXXX ( see attached letter ) stating that XXXX XXXX XXXX DOES NOT accept negotiable instruments or restrictive endorsements, claiming that these ARE NOT VALID FINANCIAL INSTRUMENTS and my attempt to remedy the situation was a scheme. Also stated that the only forms of payments that are accepted is LEGAL TENDER. The said debt was DISCHARGED then sold or purchased by a third-party MIDLAND CREDIT MANAGEMENT INC. My privacy was breeched once XXXX XXXX resold my information to MIDLAND FUNDING LLC . MIDLAND CREDIT MANAGEMENT INC began aggressively trying to collect the discharged amount OF {$590.00}. MIDLAND FUNDING LLC states that they are the current owners of the debt, and they ARE ENTITLED TO REPAYMENT. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. It is the policy of the Congress that each financial institution such as XXXX, XXXX, XXXX has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( XXXX XXXX XXXX AND MIDLAND FUNDING LLC ) is a financial institution by definition under that title. 15 U.S.C 1681 section 604 A section 2, states that in general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. XXXXXXXX XXXX XXXX  AND MIDLAND FUNDING LLC and the consumer reporting agencies XXXX, XXXX and XXXX do NOT have my consent to furnish this information, and I DID NOT GIVE THEM MY written consent. Any and all consent to XXXX, XXXX, XXXX and XXXX XXXX XXXX  XXXX Midland Funding LLC whether it be verbal, non-verbal, written, implied or otherwise, is NOW REVOKED. 15 U.S.C 1681C ( a ) ( 5 ) states- Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. I XXXX XXXX AM OPTING OUT OF XXXX XXXX XXXX  XXXX MIDLAND FUNDING LLC from reporting to the consumer agencies.

Company response to consumer: Closed with non-monetary relief