Consumer complaint received 2024-10-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (FL)

Company continually sent letters to an old address associated with accounts I had years ago. I received a letter from the person who now lives in the address because it was sent via XXXX mail directly to the home. I wrote and mailed directly to Midland the following letter requesting documentation to prove this debt is mine as I have no knowledge of it nor does it show on any credit report. The threatened legal action against me, so at advisement of my attorney I sent the following on XX/XX/year>. We are now long past the 30 days they have to respond and I do not want to be contacted by them anymore, per my rights under the FDCPA. Continued harassment will lead to me taking legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Debt Validation Request Dear MCM, I am writing in response to your recent contact regarding an alleged debt collection that is not on my credit report. On XXXX, you reached out to me by letter to incorrect address. 
Please note that I do not wish to be contacted by phone or mail to the address you sent that letter too. All future communications must be in writing and sent to the email address provided above and address provided. I travel for work and do not receive mail often, the address you sent that letter to was not correct. If mail has to be sent, please send to above address and notify me it has been sent. 
I do not believe this debt is accurate, and under the Fair Debt Collection Practice Act I have the right to the following information to validate this alleged debt. 
To fully evaluate your claim, I request the following information : 1. Verification of the Debt Creditor Information : Provide the name and address of the current creditor, along with the account number and the amount you claim is owed.

Original Creditor : If different, include the name, address, and account number of the original creditor, the amount owed when transferred, and any other names by which I might know them. Also, specify when the current creditor obtained this debt and from whom.

Basis of the Debt : Provide documentation supporting my legal obligation to pay, including original contract with my signature, statements, payment history or records related to the validation of this debt. 
Assignment Contract : Provide a copy of the purchase agreement/assignment contract that shows the transfer of the debt from the original creditor to the current creditor ( your company ). 
Third-Party Obligation : If this debt was originally another party 's responsibility, identify them and provide documentation explaining why I am now liable and the document I signed taking on this debt.

2. Amount and Age of the Debt Billing Statements : Provide the billing history for this alleged debt, complete payment history so I can have proof the amount would be correct.

Debt Details : State the amount when you acquired the debt, the date of acquisition, and any additional interest, fees, or charges added since the last billing statement. Explain how these are authorized. 
Payments and Adjustments : Itemize any payments, reductions, or adjustments since the last billing statement, including dates and amounts. 
Delinquency Information : State when the debt became due, when it became delinquent, and the date of the last payment. 
Statute of Limitations : Confirm whether this debt is within the statute of limitations, including how you determined the expiration date.

3. Your Authority to Collect the Debt Licensing Information : Provide proof of your firms authority to collect debts in my state, including any licensing details. 
Until I receive this information, please treat this debt as disputed. I will also file a claim/complaint with the CFPB pursuant to the above if not provided. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX