Consumer complaint received 2024-10-15
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC. (GA)

Via Certified Mail : Midland Credit Management XXXX XXXX De La XXXX XXXX XXXX XXXX XXXX, CA XXXX Account # : XXXX Dear Sir or Madam : I received a debt collection letter from you. I do not believe you have the right person. I am requesting that you supply me with a contract or agreement signed with your company or the Creditor. 

VALIDATION REQUEST PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), I AM REQUESTING THAT THE FOLLOWING PROVIDED VIA CERTIFIED MAIL : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR, VERIFICATION OF THE DEBT WITH ORIGINAL CONTRACT FROM THE ORIGINAL CREDITOR WITH MY SIGNATURE, AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 


ALL THE DEBT ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR, PLEASE INCLUDE THE ORIGINAL PURCHASE AGREEMENT THAT SHOWS YOU ARE THE OWNER OF THIS ALLEGED DEBT, ALSO INCLUDE THE TERMS AND CONDITIONS THAT ARE INCLUDED IN THIS PURCHASE AGREEMENT. 


PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 

PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT PER THE FDCPA ( 15 U.S.C. 1692 ) Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have already reported this debt. I am also requesting that any and all further communication be done via certified mail. Please State why you have a permissible purpose to contact my credit. Please note that I dispute this debt. 

FURTHER INFORMATION REQUEST AND ACTION TAKEN I am also requesting additional information from XXXX, XXXX, the original creditor you have listed on the letter dated XX/XX/year>, and received via XXXX on XX/XX/year>. 

I am also filing a complaint with the CONSUMER FINANCIAL PROTECTION BUUREAU ( CFPB ) as Midland Credit Management is in violation of the FDCPA ( 15 U.S.C. 1692 ) and they are as follows : I requested VALIDATION OF DEBT verbally and it was never sent. 


Several people in your office called my wife multiple times and even ask that she make a payment or make payments arrangements on my behalf. She was also given amounts that they said pertained to this alleged debt. My wife had no knowledge of Midland Credit Management and also ask that VALIDATION OF DEBT be sent to my address and was never received. 


It is my understanding after speaking with an Attorney that both of these issues were a violation of the FDCPA. 


IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute that I owe this debt to you or any company associated with Midland Credit Management. If you pass this on to another debt collector, please provide them with notice of my dispute to owing this debt. I look forward to your response within 30 days from the date of this letter. 

Thank you for your immediate cooperation.