Consumer complaint received 2024-06-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Collection Account # XXXX and Demand for Validation To Whom It May Concern, I am writing to formally dispute the collection account # XXXX reported by your agency on my consumer report. I have noticed several legal violations concerning this account that require immediate attention and rectification. First and foremost, your agency has failed to provide the validation information required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, you have proceeded to place the collection account on my consumer report. This is a clear violation of my rights as a consumer under federal law. Furthermore, I have not been given the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This omission deprives me of the essential right to contest the validity of the debt before it is reported, thereby undermining the fairness of the debt collection process. Additionally, your actions constitute the use of false, misleading, and deceptive means to collect a debt. This violates my consumer rights and is unacceptable. It is imperative that your agency adheres to ethical and legal standards in all collection activities. Your agency also lacks the authority to furnish any account information to consumer reporting agencies without providing all the required disclosures by law. By failing to do so, you are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ). These statutes mandate specific disclosure requirements to ensure the accuracy and integrity of the information reported to consumer reporting agencies. Given these violations, I demand the following actions be taken immediately : 1. Cease all collection activities related to this account until proper validation information is provided. 2. Remove the disputed collection account from all consumer reporting agencies to which it has been reported. 3. Provide a complete and detailed validation of the alleged debt, including all information required under 12 CFR 1006.34 ( b ) ( 5 ). 4. Ensure compliance with all applicable federal laws in future communications and reporting activities.

Per 15.USC 1692 G you are required by law to 1 ) I would like you to send me a detailed list of the history of the payments made by me on this account ... 2 ) My signature that I put on a contract agreeing to pay this creditor. 3 ) Has there been any insurance claim filed on this debt? 4 ) Proof that you have chain of title to collect on this debt. 5 ) Requesting you to furnish proof that you are licensed and bonded .. 6 ) I am also requesting the purchase agreement between you and the original creditor..

I expect a response within 30 days of receipt of this letter, confirming that the necessary actions have been taken. Please send all correspondence to the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely XXXX XXXX