Consumer complaint received 2025-06-25 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: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX Original Account Number is unknown DOB is XX/XX/XXXX, and the last XXXX SSN is XXXX XXXX XXXX XXXX XXXX XXXXa, GA XXXX Original Creditor : XXXX XXXX BANK Merchant Name : XXXX  Original Account Number : XXXX Current Creditor ( the sole owner of this debt ) : Midland Credit Management , Inc. 
Current Servicer : Midland Credit Management , Inc. 
MCM Account Number : XXXX Current Balance : {$710.00} Dear CFPB and FTC, I am writing to file a formal complaint against Midland Credit Management. On XX/XX/XXXX, I contacted the original creditor regarding a debt and was informed it had been transferred to Midland Credit Management which I contacted them moments later and asked for validation and disputed the debt. I made a verbal debt validation request and followed up in writing via email. 
I repeatedly requested documents via email, by chat, and requested a cease and desist, which they ignored. On XX/XX/XXXX, I followed up with collectors and management and asked that my information be forwarded to a compliance officer and a supervisor. I held for several minutes to avail. I explained the time frame of my validation request and informed the Management of the time frame I requested the validation and the dispute the debt. 


I am requesting your intervention to not only facilitate the removal of this debt from my credit report but also to secure compensation for every violation, including but not limited to the failure to validate the debt pursuant to FDCPA XXXX ( validation ), XXXX ( Civil liability ) XXXX ( Administrative Enforcement ), and any other section deemed ( XXXX ). 

I can provide evidence that I was hospitalized for XXXX years due to a XXXX XXXX XXXX XXXX, and a XXXX XXXX XXXX, followed by a motor vehicle accident involving a semi rear-ending me. While the credit bureaus declined to review my medical information, it is available if needed. I also have bank statements showing a seven-figure balance. I refuse to pay a debt that does not belong to me. I am currently unable to walk and have been readmitted to the hospital, preventing me from mailing this information to the credit bureaus to show the date the validation was requested. 

I request a correction of this information on my XXXX XXXX, and XXXX  consumer reports and financial compensation. The bureus only accept documents by mail which I do not have access to. I have attached proof of the validation request, and I have the recording 's ( I did not need permission because Georgia is a XXXX part state ) and every email. 
Debt Validation Requirement : The Fair Debt Collection Practices Act ( FDCPA ) and the CFPB 's Debt Collection Rule require debt collectors to provide consumers with specific information about the debt, known as " validation information ''.

Timeline for Providing Validation Information : Generally, this information should be provided in a written notice either as the initial communication or within XXXX days of the debt collector 's XXXX  contact with the consumer. 
Consequences of Failure to Validate : Ceasing Collection Activities : If a debt collector fails to validate a debt when requested to do so within the specified time frame, they must cease collection activities. 
CFPB Enforcement Actions : The CFPB brings enforcement actions against companies that violate debt validation requirements, including failure to provide timely notices and mishandling disputes. 
Consumer Remedies : Consumers who are not provided timely debt validation or whose disputes are mishandled may be entitled to financial relief and potential lawsuits against the debt collector. 
15 U.S.C. XXXXg The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer In conclusion, I can not report something I am not aware of. As soon as I learned that my personal information was found on individuals in Louisiana and an arrest was made, I immediately contacted the police and filed a report. I also contacted the postal service and discovered that my mail was not being held because my address had been changed online. Additionally, my bank placed my account on hold after they were unable to verify my identity when they attempted to contact me by telephone, even though the call was from my actual cell phone number. 

The law does not allow debt collectors to make assumptions ; they are required to provide proof of everything in the validation, which is attached. A simple letter stating the name of the original creditor and the balance is insufficient. I am not obligated to comply with your demands or be coerced into paying a debt that does not belong to me. Please also include all three credit agencies. 
Thank you for this prompt attention to this matter! 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX | XXXX XXXX

Company response to consumer: Closed with non-monetary relief