Thank you for taking the time to review my file and to help me with this matter of dealing with Midland Credit Management. To date, Midland has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year Midland has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumer 's rights. Their illegal actions have caused XXXX consumer 's credit files to be tainted with negative remarks which includes myself. Please remove Midland Credit Management from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having Midland Credit Management removed from my credit file. 

In XXXX I opened an account with XXXX XXXX Bank with a Credit Limit XXXX. I began receiving numerous threatening and harassing phone calls and the representatives were all giving me different amounts. My balance was less that XXXX by the time it was sold to Midland Credit Management. They have added XXXX cents worth of fees. Illegal by Washington State Law XXXX Prohibited practices. Further As of XXXX XXXX, the U.S. Consumer Financial Protection Bureau ( CFPB ) database listed more than XXXX complaints about Encore Capital Group. Consumers complaining about Encore allege : Continued attempts to collect debt that the consumer did not owe Threats to take legal action False statements or misrepresentations Refusing to provide information to enable the consumer to verify the debt. 

The Better Business Bureau says it has closed XXXX complaints about Midland Credit Management from XXXX XXXX to XXXX XXXX, including XXXX closed in the last 12 months of the period. A majority of the complaints ( XXXX ) were about " billing / collection issues. " A " closed '' complaint is one in which the company has responded to the BBB sufficiently. It does not mean the complaining consumer is satisfied.