Consumer complaint received 2023-03-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

SEE ATTACHMENT NOTICE TO to XXXX XXXX XXXX & XXXX XXXX This is a WARNING to STOP engaging in Unlawful, FRAUDULENT ACTIVITIES, IDENTITY THEFT, EXTORTING, RACKETEERING, ABUSIVE ACTS, DECEPTIVE AND MISLEADING REPRESENTATION or ILLEGAL ACTIVITIES. 

If you continue willingly and knowingly you are in violation of 18 U.S. Code 1028- Fraud and related activity in connection with identification documents, authentication features, and information and shall be punished as provided in subsection ( b ) of this section.

The punishment for an offense under subsection ( a ) of this section is ( 1 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 15 years, or both.

Please Note this is a serious crime and i will exercise my right in Federal court for violating my consumer rights. 



NOTICE : Request for Validity of Alleged Debt and FULL Disclosure of Purchase Agreement NOTICE to XXXX XXXX XXXX & XXXX XXXX, YOU BROKE THE LAW After checking my consumer report i notice " Midland Credit Management '' on my consumer report which appears deceptive and suspicious to me. 
I am writing this letter to dispute the validity of an alleged debt that you are attempting to collect from me. I have received multiple notices from " Midland Credit Management '' regarding a debt that you claim I owe. However, I have not received any information regarding the origin or validity of this alleged debt to lawfully verify the validity of your claim. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with full disclosure of the alleged debt, including the following : Full disclosure of the purchase agreement or forward flow agreement related to the alleged debt. 

Tracking of where you obtained the alleged debt from. 

The original contract, including wet signatures. 

The name and address of the original creditor to verify the accuracy and completeness of the alleged debt. 

I demand that all future communication on this matter be done in writing and that all collection activities cease including any phone calls stop immediately. 

Please be advised that any person who willingly and knowingly engages in unlawful activities, fraud, identity theft, extortion, abusive acts, any deceptive means in collection of alleged debt, racketeering or coercion and any illegal activities shall incur a penalty and/or criminal liability under the FDCPA. 


I look forward to hearing from you within 30 days of the receipt of this letter. Failure to provide the requested information will result in the assumption that the alleged debt is invalid and that you are no longer authorized to collect or report on it. 

NOTICE if you fail to comply and provide what is required under law I will charge you XXXX XXXX dollars ( {$1000.00} ) each day for damages and injuries to my character, reputation, mode of living under the FDCPA and any other applicable law. This is my offer to you. 

Please note notification shall be complete upon receipt. 

Thank you for your attention to this serious matter. 

Sincerely, XXXX XXXX Copy sent to : Federal Trade Commission ( FTC ) Attorney General ( AG )