CFPB Complaint

ENCORE CAPITAL GROUP INC. – CFPB Complaint ID 2707750

Consumer Complaint Submission

Date Received: 2017-10-21T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This is my second complaint because I ‘m very dissatisfied because I still do n’t have any proof of validation and You closed my case. My prior complaint # XXXX. The only thing provided was an old statement from 2014 from XXXX XXXX. I have sent them a certified 609 letter to validate and Midland still has not done so. I have copies of all my documents and receipts sent. I demand it to be removed immediately!

And according to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Midland Funding is required by Federal Law to verify-through the physical verification of the original signed certified consumer contract of any and all accounts you request to be posted and/or reported on a credit report.
And has not done so!!!
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with Wet Ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for this account.

Under the FCRA, unverified, invalid accounts must be removed.

Midland Funding, has been unable to provide me with proof.
The law is very clear as to Civil liability and the remedy available to me for the ” negligent noncompliance ” ( Section 617 ) since Midland has failed to comply with the Federal Law.
I demand this collection removed from my credit report!

Company: ENCORE CAPITAL GROUP INC.

State/Zip: CA 939XX

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Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2707750

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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