Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Via Certified Mail Return Receipt Requested Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Alleged Debt Failure to Validate Under Federal Law To Whom It May Concern, This letter serves as formal notice of dispute regarding the alleged account referenced below. 
Account : # XXXX Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2, you are legally required to provide full validation of any debt you claim I owe. 



I am demanding strict proof that Midland Credit Management has the legal standing to report and collect on this debt. This includes but is not limited to : 1. Proof of Ownership & Legal Standing - A copy of the original signed contract between myself and the original creditor, explicitly proving I agreed to this debt. 



- A complete chain of title showing the legal assignment of this debt from the original creditor to Midland Credit Management, Mere data printouts or generic account statements are not sufficient. 



2. Complete and Itemized Accounting of Alleged Debt - A detailed breakdown of how the balance was calculated, including all principal, interest, fees, and charges. 



- A copy of all account statements from the original creditor showing each transaction leading up to the alleged balance. 

3. Proof of Midland Credit Management Right to Report This Debt - A signed contract between Midland Credit Management and the credit bureaus showing your permissible purpose under 15 U.S.C. 1681b to report this debt on my consumer report.

4. Affidavit from Original Creditor - A sworn affidavit from the original creditor verifying that the balance Midland Credit Management claims to be collecting is accurate, legitimate, and that the debt was not forgiven, settled, discharged, or otherwise resolved prior to being sold. 



Failure to Comply Will Result in Legal Action Under 15 U.S.C. 1692e, any false, deceptive, or misleading representationincluding reporting unverifiable debtconstitutes a violation of federal law. Furthermore : - If you fail to validate this debt, you must immediately delete it from my credit report. Continuing to report an unverified debt is a direct violation of the FCRA and FDCPA, subjecting Midland Credit Management to statutory damages of up to {$1000.00} per violation plus actual damages, attorney fees, and court costs. 



- If you continue collection activity without proper validation, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for unfair and deceptive practices. 

Time-Sensitive Demand Pursuant to 15 U.S.C. 1692g ( b ), you are required to cease all collection activity until you have provided the requested documentation. 



You have 30 days from receipt of this letter to fully validate this debt or delete it from my records. 



If you fail to respond appropriately, I am fully prepared to pursue legal action against Midland Credit Management for violations of federal consumer protection laws. 



This letter serves as formal notice, and I expect written confirmation within 30 days that this matter has been resolved. 

Govern yourselves accordingly Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief