Consumer complaint received 2018-09-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This complaint is for both XXXX XXXX and XXXX XXXX XXXX. They are BOTH reporting the same debt, which to my knowledge is a violation of law to have the same debt reported twice. By the way, XXXX is psycho, and I actually have a FEW complaints regarding them, not just one : debt collection communication practices/tactics, filing a judgment without serving, collecting on an unverified, false account, refusal to provide original documentation. I found out that these XXXX   filed a judgment against me and never even served me papers ; in fact, the XXXX  sent it to an address that isn't even mine! They dismissed the case when they saw that I started disputing the account with the 3 major bureaus. To even have a DISMISSED judgment in my public record is extremely frustrating and has caused distress, making me wonder if my information had been stolen. I've provided a copy of the online county database record of this judgment. I am prepared to sue THEM -- BOTH for damages. Did they provide the signed original documentation that I requested -- and that's required under the FCRA to provide to consumers? No ; instead, they AND XXXX XXXX XXXX continued to falsely report the truly unverified, invalidated account ( s ) as " verified '', " accurate '', and " valid '' without providing a shred of signed proof! Again, as I've said in my very recent complaints on the 3 bureaus ( XXXX, XXXX, and XXXX ), they are all complicit in this matter. I am absolutely disgusted that these companies continue to get away with just throwing out 'yep, it's verified ' to these bureaus and they're like 'okay, great, thanks! ' without even seeing ( themselves ) or providing to ME a shred of original, signed proof! First off, I've never even signed a contractual agreement with them. They know this -- and that all they can possibly provide are some fake bills that aren't even mine ( if they even have THAT ) -- which is why in SEVEN ( 7 ) MONTHS they haven't given me what they're REQUIRED to under the FCRA. It is extremely important to my person and identity as a consumer to make sure that what is reporting in my credit files has been truly, PROPERLY verified & validated. I DEMAND that XXXX XXXX and XXXX XXXX XXXX  provide a signed original consumer contract / original instrument of indebtedness ( with my actual, wet signature ) in its original form ; if they do not, then I demand that these accounts be IMMEDIATELY DELETED from my credit reports. The law states under FCRA Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that original consumer documentation is required to consumers, particularly upon their request. Furthermore, you have also failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. It is a crying shame that it takes upwards of 7 months of pleading to get what you're owed as a consumer. Companies like this hide behind the bureaus and assume that most of us will just give up on trying any further to dispute and request required info.

Company response to consumer: Closed with explanation