Consumer complaint received 2015-07-24
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This is to inform you that I 've recently received my credit report and noticed that there 's STILL a collection listing from Asset Acceptance LLC debt collection agency on my credit file. XXXX Report Number : XXXX Dated : XX/XX/XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( XXXX XXXX XXXX XXXX ) for Disputed Billing Charges and Billing Errors in XX/XX/XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for Asset Acceptance LLC, where were your documents submitted? Please provide this mailing address : In addition, please provide the name of agent to whom your documents submitted. 


Therefore, I request the FTC investigate these issues. 


Please Investigate : XXXX XXXX and Asset Acceptance are misrepresenting that XXXX XXXX XXXX, consumer owe a debt when it has not substantiate its representations ; XXXX XXXX and Asset Acceptance are- failing to disclose that debts are too old to be legally enforceable or that a partial payment would extend the time a debt could be legally enforceable ; XXXX XXXX and Asset Acceptance is -providing information to credit reporting agencies, while knowing or having reasonable cause to believe that the information was inaccurate ; XXXX XXXX and Asset Acceptance is -failing to notify consumers in writing that it provided negative information to a credit reporting agency ; XXXX XXXX and Asset Acceptance is -failing to conduct a reasonable investigation when it received a notice of dispute from a credit reporting agency ; via XXXX XXXX XXXX XXXX and Asset Acceptance are -using illegal debt-collection practices, including misrepresenting the character, amount, or legal status of a debt ; providing inaccurate information to credit reporting agencies ; and making false representations to collect a debt ; via XXXX XXXX XXXXAsset Acceptance has -failed to provide verification of the debt and continuing to attempt to collect a debt when it is disputed by the consumer. XXXX XXXX XXXXThis is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above. 

Most important, since Asset Acceptance has now acquired this inaccurate disputed re-aged Zombie account. I am advising XXXX Credit Reporting Agency that, XXXX XXXX XXXX, was never notified by Asset Acceptance LLC. Of this collection action on this previous deleted disputed inaccurate account. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within XXXX days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay.

Company response to consumer: Closed with explanation