Consumer complaint received 2023-11-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management recently responded to my complaint. However didnt provide all the information Im looking for which waive their right to collect a debt. You didnt not provide me purchase of agreement which I asked for. You did not provide me with a signature on a contract which would prove if this debt is mine.Nor is there any signature that states a person agreed for the debt to purchase. Therefore I have no contract with you. You did not prove me bond information nor license. You disturb my peace by collecting a debt you claimed I owe its your job to provide me with the information Im seeking. I did not find you bond in Texas. I demand that you remove your collection from my credit report until youre able to show proof of all the information Im seeking. I will also be taking legal action. You claimed you responded to my letter which you did not. I have no proof of knowledge that you did but you have proof that I sent a letter. Once again if the original letter I mailed on XXXX the XXXX I sent a letter to midland credit ceritfied mail with tracking number XXXX, ON XX/XX/2023. I was not contacted with any valid information. My original letter to them Dear Sir/Madam, I am writing to request verification of a debt you claim I owe. Your records show that I owe {$640.00} to your agency on behalf of XXXX XXXX However, I am not able to validate or confirm the details of this debt as I have not received any information or notifications from the creditor regarding any outstanding balances. Under the Fair Debt Collection Practices Act 15 USC 1692g, I have the right to request validation of a debt to be sure of the accuracy of the information being reported. It would be most appreciated if you could provide me with the following documentation as proof of the debt : - A copy of the original creditor 's agreement or contract that I signed- The accounts receivable ledger and payment history for this account - The details of the principal balance, interest, and any other applicable fees and charges applied to this account -Proof that the Statute of Limitations has not expired -Complete payment history on this account along with an accounting of all additional charges being assessed ; -Proof that you are licensed to collect in my state -Your license numbers and Registered Agent. -Purchase agreement. At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 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 to bring legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your office fails to reply to this debt validation letter within thirty ( 30 ) days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. I look forward to your response. Sincerely, XXXX XXXX