Consumer complaint received 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Phone : ( XXXX ) XXXX Email : XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX Cc : Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Subject : Formal Cease and Desist False and Misleading Account Reporting Dear First Federal Credit C and Midland Credit Management, This letter serves as a formal notice and demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, to cease and desist all communication, collection efforts, and false credit reporting concerning the following account : Account Number ( partial ) : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXXXXXX XXXX XXXX  Reported Balance : {$940.00} Date Opened : XX/XX/XXXX Status : Collection account {$940.00} past due as of XX/XX/XXXX This account is being falsely and inaccurately reported on my credit file. According to my records and previous communications, no valid debt validation has ever been provided to establish ownership, authenticity, or assignment of this alleged obligation. 

Midland Credit Management and/XXXX XXXX XXXX XXXX XXXX are therefore in violation of the FDCPA, including but not limited to : 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt.

15 U.S.C. 1692f Use of unfair or unconscionable means to collect or attempt to collect a debt.

15 U.S.C. 1692c ( c ) Failure to cease communication after written request.

Furthermore, by continuing to report inaccurate information after notice of dispute, your agencies are in violation of the FCRA, specifically : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A-E ) Failing to conduct a reasonable reinvestigation after notice of dispute.

Effective immediately, you are hereby instructed to : 1. Cease all collection activity and communication regarding this account, except for notices of termination or legal action ( as allowed by law ). 
XXXX. Provide written verification and legal proof of the debt, including a signed original agreement, XXXX XXXX XXXX, and assignment chain from the original creditor.

3. Immediately remove or correct any and all inaccurate or unverifiable data from all credit reporting agencies ( XXXX XXXX XXXX XXXX.

Failure to comply with this request will result in formal complaints being filed with : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), and The New Jersey Attorney Generals Office. Any continued communication, reporting, or atte
mpts to collect this alleged debt after receipt of this notice will be considered willful non-compliance and harassment, actionable under 15 U.S.C. 1692k for statutory damages, attorney fees, and punitive remedies. 

All further correspondence regarding this matter must be in writing only to my address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief