Encore Capital Group Debt Collection Complaint

Encore Capital Group Debt collection department,

I do not know Cont'd attempts collect debt not owed Debt is not mine California

After receiving letters from Midland Funding I decided to pull my credit report to realize that Midland Funding was and still is reporting inaccurate information to the credit bureaus. I 've been sending letters for the last - tears trying to resolve this issue. I 've requested any documentation that they have on these alleged accounts ( statements, checks, payments ... ) All they could do is to provide me with the information of the original creditor. I 've contacted the alleged original creditor and they are not longer reporting these accounts on my credit report after my claim. They purged the accounts. However, Midland is having a hard time letting go. The alleged debt is over 5 years old, original creditor is not reporting, they keep reporting in a monthly basis even when I have disputed this information with them ( they are not supposed to as they are supposed to investigate


declined any communication regarding these matter and avoided the main factor here which is the fact that those accounts do not belong to me. I have sent them an " Intent to sue '' letter and they have ignored me once again. This is my last step before I move forward with the lawsuit that is just ready to be filed. It 's just frustrating that they are pursuing a ghost debt in a very illegal way. This should had been easier and we all should avoid the expenses to come from a lawsuit and fix this. The only collections on my credit report are from Midland! It 's so ridiculous. Thanks to them I have been declined credit and had to present several additional evidence in the purchase of a house. Thanks