Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (LA)

Re : Disputing error on credit report Dear Credit Reporting Agency, I am writing to request a correction of the following information that appears on my XXXX, XXXX, and XXXX consumer report : Account Number or other information to identify account : o XXXX XXXX, XXXX, and XXXX Dates associated with item being disputed : o XX/XX/XXXX Explanation of item being disputed : o The report shows I currently owe money to your company, but I am unaware of ever doing business with MidlandCRE. The report shows an account balance of {$910.00}, which is inaccurate. 
o Further, MidlandCRE went against the Fair Credit Reporting Act by listing this debt as a newly opened debt as of XX/XX/XXXX. According to the listing on my report, you state that the original creditors name is MidlandCRE. If this is the truth, it is very unlikely that this account was opened by you as the original creditor on XX/XX/XXXX being that I have no record of any transactions with MidlandCRE. 
o The date of opening is not accurate. 
o The date of first delinquency on my report is not accurate. 
o There is no credit history associated with this debt. All history has been deleted, if any. 
o The date of first delinquency on my report is not accurate. 
o I will be contacting the Fair Credit Reporting Agency ( FCRA ) and the, as well as, the Consumer Financial Protection Bureau ( CFPB ), as MislandCRE is reporting incorrect information on my credit report which violates my rights provided under the FCRA and the CFPB.

List of Consumer Violations MidlandCRE did not provide me with the proper initial communication as required under law.

If the initial communication doesn't contain this information, by law, the agency has five days from the initial contact to provide it to
you. ( 15 U.S.C. 1692g ( a ) ). The notice can be written or electronic. ( An oral notification is allowed when you're first contacted, but not later. ( 12 C.F.R. 1006.34 ( a ). ) MidlandCRE did not provide me with additional required information. 
An amendment to the FDCPA, effective XX/XX/XXXX, significantly expands the law 's requirements for debt validation notices by requiring more information and additional disclosures, including : information that helps a consumer identify the debt being collected information about consumer protections information to help consumers exercise their rights under the FDCPA, including a tear-off dispute form with pre-written prompts for disputing a debt, and disclosures required under certain laws. ( 12 C.F.R. 1006.34 ).

Under the amended law, collectors can provide validation information orally in an initial communication despite the large volume of information the law requires in the notice. ( 12 C.F.R. 1006.34 ). 
I have attached a copy of my consumer report with the accounts in question highlighted. I am requesting verification of this debt, to include any signed documents or evidence that the debt belongs to me. I am also requesting a validation letter. 

You state that I owe this debt. 

What is the date of the last payment? 
Please send the following information : The name and address of the original creditor, the account number, and the amount owed.

Verification that there is a valid basis for claiming I am required to pay the current amount owed.

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 


Thank you for your assistance. 

Sincerely,