Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX Re : Immediate Cease and Desist and Debt Validation Request for Account [ Account Number ] Dear XXXX XXXX XXXX, Midland Credit Management, and XXXX XXXX, This letter serves as formal notice regarding your inaccurate and unlawful reporting of a debt under my name, allegedly associated with the account number [ Account Number ], which you are reporting to credit agencies. After reviewing my credit report, I discovered that you are inaccurately listing yourselves as the original creditors. This is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate credit reporting, and the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide proper validation upon request.

I dispute the validity of this debt in its entirety. Therefore, I demand that you immediately cease and desist all collection efforts and provide full and complete debt validation as required by law, including : XXXX. The name and address of the original creditor, along with clear documentation that proves the original debt. 
XXXX. A copy of the original agreement bearing my signature, proving that I am legally obligated to pay this debt. 
XXXX. A complete breakdown of the balance, including the principal, interest, fees, and any additional charges applied to this debt. 
XXXX. Proof that you are legally entitled to collect this debt in my state and documentation of how you acquired this debt. 

If you can not provide this information within the statutory 30-day period, I demand that you take the following actions : Immediately remove this account from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) XXXX 
Cease all communication with me regarding this matter, except to confirm that you have complied with my request. 

Failure to comply with this request will result in legal action. If you do not provide proper validation or remove this account from my credit report, I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney General regarding your violation of federal consumer protection laws. 
Seek legal counsel to file a lawsuit against your company for damages caused by your false reporting, misrepresentation, and harassment, as allowed by the FCRA and FDCPA. 

As per the FCRA, if you can not validate this debt or correct the inaccuracies, you are required to immediately delete the derogatory information from my credit report. If you continue to report this information without validation, I will hold your company liable for willful non-compliance with federal law. 

This letter also serves as notice that under the FDCPA, I am requesting that any and all future communication regarding this matter be conducted in writing only. Any further contact by telephone will be considered harassment, and appropriate action will be taken. 

I trust that you will handle this matter promptly to avoid further escalation. I look forward to your response within the legally mandated timeframe. 

Sincerely, XXXX XXXX