Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX  CA XXXX Re : Formal Demand for Full Validation Multiple Accounts in Dispute Accounts in Dispute : Midland Credit Account # XXXX {$590.00} Midland Credit Account # XXXX {$1100.00} To Whom It May Concern, This letter is issued in response to multiple alleged debts you are reporting under my name. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally disputing both of the accounts listed above and demanding strict, complete, and verifiable validation. I do not acknowledge or accept any liability for these alleged debts. 

Under UCC 8-102 ( a ) ( 15 ), if these alleged debts were ever transferred, packaged, securitized, or sold into an asset-backed structure, Midland Credit Management loses XXXX XXXX XXXX to collect. 

Under Rule 1002 of the Federal Rules of Evidence, you must produce the original contract bearing my signature. Billing statements, system screenshots, internal ledgers, or computer printouts do NOT constitute legally acceptable validation. 

Therefore, I am demanding the following documentation for each of the two accounts you are reporting : 1. Proof of Ownership & Legal Standing The original signed contract establishing any lawful obligation. 

A complete chain of title/assignment, including every transfer, sale, or ownership change, with dates and signatures. 

The full purchase agreement between the original creditor and Midland Credit Management. 

2. Full Debt Validation & Itemized Accounting A complete, line-by-line accounting showing how each balance ( {$590.00} and {$1100.00} ) was calculated. 

A ledger listing principal, interest, fees, adjustments, and charge-offs. 

Proof that each balance is accurate, lawful, and collectible. 

3. Securitization Verification Written confirmation whether either account was securitized or transferred. 

The name of any trust, XXXX, or investor associated with these debts. 

Any Pooling & Servicing Agreements or related trust documents. 

4. Authorization to Collect A copy of your Illinois collection license. 

Documents proving the original creditor authorized you to collect. 

Full original creditor information for each account. 

5. Consumer Rights Compliance Copies of all letters and communications you claim were mailed to me. 

A copy of any Notice of Assignment. 

Any arbitration, jurisdiction, or governing clauses associated with these alleged accounts. 

LEGAL NOTICE Until ALL documentation is provided, I do NOT acknowledge owing Midland Credit Management anything. 

Under 15 U.S.C. 1692g ( b ) : ALL collection activity must cease immediately until proper validation is mailed to me. 

Under 15 U.S.C. 1692e ( 8 ) : You are required to report both accounts as disputed to every credit bureau. 

Providing billing statements, internal notes, or system printouts will be treated as a willful violation of the FDCPA and FCRA. 

If you can not validate : Both accounts must be deleted from all credit bureaus All collection activity must stop immediately You must send written confirmation of permanent removal Failure to comply will result in complaints filed with the CFPB, FTC, and the Illinois Attorney General, and may lead to civil action under FDCPA 1692k and FCRA 1681n & 1681o. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with explanation