Debt collection -- Attempts to collect debt not owed -- Complaint #5481336
Complaint Overview
Complaint ID: 5481336
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: New Jersey
ZIP Code: 08021
Date Received: 2022-04-21T12:00:00-05:00
Date Sent to Company: 2022-04-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
MIDLAND CREDIT MANAGEMENT has violated my federally protected consumer rights in accordance with the Fair Credit Reporting Act using two accounts from XX/XX/XXXX until XX/XX/XXXX. MIDLAND CREDIT MANAGEMENT has attempted to XXXX, XXXX, and XXXX me using deceptive, misleading and abusive practices against me, my family and my household by harassing me, committing mail fraud and identity theft. This is criminal activity AND is unacceptable by every means. MIDLAND CREDIT MANAGEMENT couldn't verify either debt in accordance with the Fair Debt Collection Practices Act. The alleged debts can't be legally or lawfully collected on and should have been deleted months ago. After putting MIDLAND CREDITMANAGEMENT on notice that they were in violation of my rights, they continued collection efforts, purposely being non-compliant with the FDCPA while ignoring my prior correspondence. MIDLAND CREDIT MANAGEMENT only complied and deleted both accounts because I reported them along with the violations against me to the CFPB. Violations for BOTH accounts include but are not limited to : Violation, 15 USC 1692 ( b ) ( 2 ) ; Violation, 15 USC 1692c ( a ) ; Violation, 15 USC 1692c ( b ) ; Violated 15 USC 1692d ( 1 ) ; Violated 15 USC 1692d ( 2 ) ; Violation, 1692 ( e ) ( 2 ) ( a ) ; Violation, 15 USC 1692 ( e ) ( 5 ) ; Violation, 15 USC 1692e ( 8 ) ; Violation, 15 USC 1692 ( e ) ( 10 ) ; Violated 15 USC 1692f ( 1 ) ; Violation 15 USC 1692f ; Violation, 15 USC 1692 ( g ) ; Violation, 15 USC 1692 ( g ) ; Violation, 15 USC 1692 ( j ) ; IDENTITY THEFT ; INVASION OF MY INDIVIDUAL AND FAMILY PRIVACY ; DEFAMATION OF CHARACTER AND ADDITIONAL DAMAGES ; I am willing to settle civil liability damages I have suffered pursuant to 15 USC 1692k. If there is a refusal to settle within 30 days of receipt of this notice, I will have no choice but to take immediate court action by initiating the litigation process.
Frequently Asked Questions
What is Complaint #5481336 about?
Complaint #5481336 was filed against Encore Capital Group INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-04-21T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Encore Capital Group INC.?
Yes, visit the Encore Capital Group INC. company profile at readthecomplaint.com/company/encore-capital-group-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.