Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Re : Formal Dispute of XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX To Whom It May Concern, This letter serves as a formal dispute and demand for debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and 12 CFR 1006, in reference to the alleged debt with the above-stated account number. I hereby assert the following : 1. I did not authorize XXXX XXXX  or any affiliated entity to sell or assign my account to Midland Credit Management. Under 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ), consumers are entitled to notice and the opportunity to opt out of such transfers involving nonpublic personal financial information. No such notice or opportunity was provided to me, making this assignment invalid under federal law.

2. You are required by law to provide the following within 30 days : Full and complete validation of the debt.

A copy of the original contract bearing my signature.

A complete payment and account history.

Documentation of the chain of title showing lawful transfer and your legal authority to collect.

Until such documentation is provided, you must cease all collection activity, including written, verbal, and electronic communication, under 15 U.S.C. 1692g ( b ).

I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g and 12 CFR 1006, to formally dispute the validity of the alleged debt referenced above. I request that you provide the following : 1. Verification of the debt, including a complete breakdown of the amount owed, showing how the amount was calculated.

2. A copy of the original agreement, bearing my signature, where I agreed to the terms and conditions of this alleged debt.

3. Proof that Midland Credit Management has legal authority to collect on this debt, including the chain of title and all assignments and transfers of ownership of the debt, in compliance with 15 U.S. Code 1692g ( b ). 

Please be advised, I did not give XXXX XXXX  or any other entity permission to sell or assign my account to your company. Under 15 U.S. Code 6802 ( Gramm-Leach-Bliley Act ), financial institutions are required to provide consumers with notice and the opportunity to opt out before sharing or selling nonpublic personal information. I was never notified nor given the opportunity to opt out of such a transfer, which constitutes a violation of my consumer rights.

Furthermore, until you provide proper validation and documentation proving your legal right to collect this debt, you must cease all collection activity per 15 U.S. Code 1692g ( b ).

Please note, any continued attempts to collect this debt without providing validation will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for investigation.

You may respond in writing to the address listed above. This is a formal request for debt validation, and I expect a response within 30 days, as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief