Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (NV)

MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX To Whom It May Concern : This letter is being sent to you in response to a notice sent to me on Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC $ 1692g ( b ) that your claim is disputed and validation is requested. 
This is a formal request for VALIDATION made pursuant to 15 USC $ 1692g ( b ). I hereby request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Provide proof that the Statute of Limitations has not expired on this account ; Provide proof that you are licensed as a collection agency in the State of At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's XXXX, XXXX or XXXX XXXX this action might constitute a violation of the Fair Debt Collection Practices Act and/or other laws including fraud. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for numerous causes of action including but not limited to, the following XXXX XXXX now XXXX your polices are able to provide the proper documentation as requested in Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my attorney on the filing of a lawsuit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. 

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If our offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. 
I advise you strongly that you should endeavor to ensure that your records are in order before I am forced to take legal action. This letter is a formal request for validation sent in an attempt to correct your records, any information obtained shall be used for that purpose. 
Sincerely,