Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/XXXX Noted : 2nd Attempt Midland Credit Management Case Number : XXXX Subject : Formal Dispute of Debt and Request for Compliance Under 15 U.S. Code 1692 and 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) Dear Midland Credit Management , I am writing in response to your letter dated XXXX XXXX regarding the alleged debt referenced in your correspondence. While I appreciate your acknowledgment of my inquiry through the Consumer Financial Protection Bureau ( CFPB ), I am formally disputing the validity of this debt and requesting full compliance with both 15 U.S. Code 1692 ( Fair Debt Collection Practices Act - FDCPA ) and 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ( Fair Credit Reporting Act - FCRA ). 

Dispute and Request for Documentation Your response states that Midland Credit Management purchased this account on XX/XX/XXXXXXXX XXXX XXXX and that a validation letter was mailed to me on XX/XX/XXXXXXXX XXXX XXXX However, I have no record of receiving such a letter, and without proper notification, I was not afforded the opportunity to dispute this debt within the timeframe provided by law. 
1. Debt Validation Request ( 15 U.S. Code 1692g ) Under 15 U.S. Code 1692g, I am formally requesting full validation of this debt. Specifically, please provide : A copy of the original signed agreement proving that I am legally responsible for this debt. 
A detailed account statement showing all transactions, fees, and payments leading to the balance of {$4000.00}. 
Documentation proving your legal ownership of this debt, including the full chain of custody from the original creditor to Midland Credit Management. 
A full breakdown of interest, fees, and charges assessed to this account. 
2. Proof of Legal Right to Collect ( 15 U.S. Code 1692e & 1692f ) 15 U.S. Code 1692e prohibits false or misleading representations in debt collection. If you can not provide clear and complete documentation proving your legal right to collect this debt, you must immediately cease collection efforts and correct any inaccurate information reported to credit bureaus.

Additionally, per 15 U.S. Code 1692f, any unfair or deceptive collection practices, including attempts to collect on a debt without proper verification, may be a violation of federal law.

3. Proof of Mailing of Validation Notice ( 15 U.S. Code 1692g ( a ) ) You claim to have sent a validation letter on XX/XX/XXXX. Please provide proof that this letter was mailed to my correct address, such as a certified mail receipt, delivery confirmation, or internal record of mailing.

4. Fair Credit Reporting Act Compliance ( 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I request : A detailed description of the reinvestigation process you conducted regarding my dispute. 
Confirmation that any unverified, inaccurate, or incomplete information has been removed from my credit report. 
A written statement outlining how Midland Credit Management has ensured compliance with the Fair Credit Reporting Act ( FCRA ) in handling my dispute. 
5. Request for Statute of Limitations Information Please provide the date of the last payment made on this account. If the statute of limitations for debt collection has expired in my state, any attempt to collect this debt may be a violation of state and federal consumer protection laws.

6. Cease & Desist Confirmation ( 15 U.S. Code 1692c ) Your letter states that this account has been marked Cease and Desist. Please provide written confirmation that all collection efforts, including credit reporting, have ceased unless legally required.

Under 15 U.S. Code 1692c, you are prohibited from further contacting me regarding this debt unless you provide the legally required verification. 

Notice of Noncompliance Consequences If you fail to comply with the FDCPA and FCRA, or fail to provide the requested documentation, I will take the following actions : Report this matter to the Federal Trade Commission ( FTC ) and my state Attorney Generals Office for violations of federal and state consumer protection laws.

Pursue legal action against Midland Credit Management for noncompliance with 15 U.S. Code 1692 and 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ). 
Demand removal of any unverifiable or inaccurate information related to this account from all credit reporting agencies under the Fair Credit Reporting Act. 


Please provide all requested documentation within 30 days of receiving this letter. 

This letter serves as formal notice of my dispute, and I appreciate your full attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation