Consumer complaint received 2023-08-22
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Upon Reviewing my emails, I had discovered I had received 2 emails on two different dates from a debt collection company. I then reviewed my credit report and at that time there was not anything reflecting on my credit report, from said collection agency. I sent a certified letter, and notarized letter on XX/XX/XXXX, I requested several pieces of documentation to prove validity of the debt listed below is what was requested. 

1.The name and address of the original creditor 2. The original account number associated with the debt 3.The amount allegedly owed 4. Detailed information about the alleged debt, including the dates and amounts of all transaction history from the original creditor.if any interest or fees have accrued, please send proof that such fees are lawful and agreed upon in the original purchase agreement. 
5.Any and all original documents and or contracts including signatures in their entirety including terms and agreements, demonstrating my obligation to pay this debt.

6.In addition, please send proof of chain of ownership of the alleged debt and include proof of assignment for each change of ownership.Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in chain. 
7.Proof of your authorization to collect this alleged debt on behalf of the original creditor 8.Proof your company is authorized to collect this alleged debt in the state of Arizona, including your third party debt collection bond.

9.Proof of any attempts your company made to collect the alleged debt. 



On XX/XX/XXXX I received a piece of mail with 3 pages of contents from what I believe is said collection agency as there was no return address on the envelope only on the one of 3 documents. The contents contained two bill statements from a credit card company, each single pieces of paper and its own document and the final piece was a very brief response to my request of validity. 


" Dear *Censored* We understand that youre inquiring about or requesting documentation about the accuracy of our records concerning this account. After reviewing the information, you provided our account notes and information provided by the previous creditor with an address of XXXX XXXX XXXX XXXX XXXX, XXXX, South Carolina XXXX we have concluded that our information is accurate. We have also enclosed documents regarding the account. If you believe we have reached this conclusion in error, please reference the information below : We have received the following information from you : Account balance is incorrect Next steps : In order for us to further investigate your inquiry, please provide the following : Copies of contracts, bills, or statements, showing amount owed and an explanation of disputed charges Some additional information about your account : Dated opened XX/XX/XXXX. 
Date of charge XX/XX/XXXX. 
Current servicer, XXXX, XXXX XXXX XXXX XXXX XXXX. 
Date purchased XX/XX/XXXX. 
Original purchase balance- {$940.00} Accrued interest- {$0.00} Accrued fees- {$0.00} Total payments adjustment applied- {$0.00} Paid in full if applicable For additional information you may contact us online at midlandcredit.com. You may also call customer resolutions at XXXX. Please call consumer support services at XXXX if you have any additional questions. 
Sincerely, XXXX XXXX XXXX XXXX XXXX " -- This response does NOT in any way validate this debt and the information that was sent is none of which I requested. The creditor also is now reporting this on my credit report, which based on my understanding of my rights breaks that liberty.

Company response to consumer: Closed with non-monetary relief