Consumer complaint received 2025-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Va XXXX XXXX XXXX XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX RE : Account Number : [ XXXX XXXX ] Alleged Amount {$560.00} SENT VIA CERTIFIED MAIL - RETURN RECEIPT REQUESTED I am writing in response to a summons I received regarding the above-referenced account. I dispute this debt in its entirety, as it does not belong to me. 
Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this alleged debt. This notice is not a refusal to pay, but a request for verification and validation of the following : Proof that you are either the original creditor or verification that you have purchased this debt, including documentation showing the complete chain of ownership from the original creditor to you. 
A copy of the original loan agreement or contract between myself and the original creditor, specifically including proof of my signature on this document. 
Verification of the reported balance, including an itemized statement showing : The original amount of the debt All interest added All fees added All payments made Current balance claimed Documentation showing you are licensed to collect debts in Virginia. 
Proof that the statute of limitations has not expired on this debt. 
Documentation showing you have reported this account to any credit bureaus, and validation that you have followed the requirements of the Fair Credit Reporting Act in your reporting. 

Please note that under the FDCPA, you have 30 days from receipt of this request to provide the requested validation. During this time, all collection activities must cease until you have provided the requested documentation. 
If you fail to respond to this validation request within 30 days, you are required by the FDCPA to cease all collection efforts and remove any information you have reported to the credit bureaus. 
Additionally, please be advised that I am keeping careful records of all communications in this matter, including this letter. If you can not provide clear evidence of my signature on the original debt agreement, I will consider this further proof that this debt does not belong to me and will expect you to immediately cease all collection efforts. 
Please note that under the FDCPA, you have 30 days from receipt of this request to provide the requested validation. During this time, all collection activities must cease until you have provided the requested documentation. 
If you fail to respond to this validation request within 30 days, you are required by the FDCPA to cease all collection efforts and remove any information you have reported to the credit bureaus. 
Additionally, please be advised that I am keeping careful records of all communications in this matter, including this letter. 

Sincerely, XXXX XXXX cc : Virginia Attorney General 's Office Consumer Financial Protection Bureau Federal Trade Commission Mailed out XX/XX/year>

Company response to consumer: Closed with non-monetary relief