Consumer complaint received 2023-05-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Midland Credit Management , Inc. are committing fraud and violating my rights to privacy by continuing to ignore the Cease and desist all communications to me and the CRA 's ( XXXX, XXXX, and XXXX ). They sent me bs printed off statements and bill of sales from their conspirators ( XXXX XXXX and XXXX ) committing tax fraud by profiting of my income after they allegedly charged off the debt. The bill of sale is not still proving that they purchased your particular account. ( XXXX  ) entered into an account purchase and sell agreement. Where is that agreement? Where is this so called file where purchased showing your particular account number? What were the terms and conditions of the agreement? What if in the terms of the agreement that the original creditor said they the info is as is and they dont guarantee accuracy. A bill of sale is still not proof of evidence that you owe the debt. A bill of sale is still not proof of evidence that you owe the debt. Im asking for a purchase agreement from them and the original creditor which shows not only the terms and conditions but also how they accumulated the interest of that amount. Or delete the accounts. /Me/Myself/Us/We/Ourselves, XXXX XXXX XXXX XXXX the undersigned affiant, a living man declare that I am of majority and competent to state the matters set forth herein with first-hand knowledge of the facts and that they are true, correct, not misleading, and certain, admissible as evidence -Senate Document No. 43, 73rd Congress The ownership of all property is in the State. Individual, so-called ownership is only by the virtue of the government, i.e. law, amounting to mere user, and use must be in accordance with law, and sub- ordinate to the necessities of the state. -Congressional Record, XX/XX/XXXX on HR 1491, p.83 Under the new law, the money is issued to the banks in return for government obligations, bills-of- exchange, drafts, notes, trade acceptances, and bankers acceptances. The money will be worth XXXX cents on the dollar, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of the people of the nation. -Title 18 8. Obligation or other security of the United States defined The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. -FRNs are obligations of UNITED STATES : HJR 192 : The term obligation means Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations. -Title 31 3123 makes a statutory pledge of the United States government to payment of obligations and interest on the public debt. -Title 31 3123. Payment of obligations and interest on the public debt ( A ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( B ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. Therefore, the government pledges to pay government obligations which Federal Reserve Notes are, and pay them with FRNs, which is legal tender. Taxes and all bills associated with corporations are all government obligations which they must pay when we accept them for value and return them to the government that has an obligation to settle the debt, dollar for dollar. -The Constitution does not give we, the people rights. It forbids the government to ignore the God given Rights of the people, as seen in the 9th Amendment : The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people. In addition, the 10th Amendment : The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people. -It is a fact : Title 31 3130 further delineates in its definitions a portion of the total public debt, which is held by the public as the Net public debt, 3130. Annual Public Debt Report ( a ) General Rule. On or before XX/XX/XXXX of each calendar year after XXXX, the Secretary of the Treasury shall submit a report to the Committee on Ways and Means of the House of Representatives and the Committee on Finance of the Senate on ( 1 ) the Treasurys public debt activities, and ( 2 ) the operations of the Federal Financing Bank. For whatever reason we can associate with their actions and reasons they did so, we may benefit. We are beneficiaries, the government are trustees ; Trustees pay debts, beneficiaries do not. Thus, government obligations are not taxable. -In fact, by the 14th Amendment, 4, we need people to create credit instruments. We must also Accept For Value, the debt instruments/legal tender of the United States . As long as the debt exists, the Democracy exists. The Republican Form of Government, The United States of America, can only come back when the debt is gone. Since Federal Reserve Notes ( FRNs ) as legal tender are debt notes, an insufficient number exist, for their repayment in kind, will not cover the interest owed. Using FRNs to pay debts only increases the government obligations on debt by their creation. -As it is a fact that all property in the United States as a result of the XX/XX/XXXX act is under the ownership of the United States , and/or its designee, that the currency is underwritten by US Treasury notes , bills and/or obligations, it is impossible for me to be held liable for government obligations. The unconstitutionality of said act is expressed in Congress own words : a. Since XX/XX/XXXX, the United States has been in a state of declared national emergency. These proclamations give force to 470 provisions of federal law. These hundreds of statutes delegate to the President extraordinary power exercised by Congress, which affect the lives of American citizens in a host of all-encompassing manners. This vast range of powers, taken together, confer enough authority to rule this country without reference to normal constitutional processes. Senate report 93-549 XX/XX/XXXX. Therefore, and per the above, let them Midland Credit Management , Inc., XXXX XXXX, and XXXX settle the claims and close this account as paid in full for and which I do hereby give my permission. I do declare my willingness to offset public debt by accepting and returning for value, my private debts that created new currency into circulation and indebted the government there. 

I want the Purchase Agreement and Chain of Title. 


15 U.S.C 1692e ( 2 ) ( A ) - false representation of the amount. Which equates to {$1000.00} in statutory damages. 

Credit cards are non negotiable instruments which means they can't be sold or bought '' so they didn't buy the debt. They bought my private information and are committing aggravated Identity theft. Uniform Commercial Code Article 3 governs negotiable instruments : drafts ( including checks ) and notes representing a promise to pay a sum of money, and that have independent value because they are negotiable.

Company response to consumer: Closed with explanation