Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. 
XXXX, PA XXXX Date : XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Formal Notice of Dispute, Demand for Validation, and Request for Removal To Whom It May Concern, This letter serves as formal notice that I dispute the validity of the alleged debt you are reporting or attempting to collect. This correspondence is sent pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, and applicable Pennsylvania consumer protection laws. 

This letter does not constitute an acknowledgment of, or admission to, any debt, nor does it waive any rights or defenses available to me under state or federal law. 

FDCPA XXXX5 U.S.C. 1692 Under the FDCPA, you are required to provide competent evidence that you have the legal right to collect this alleged debt. Accordingly, I demand full validation, including but not limited to : The name and address of the original creditor The complete chain of title showing your authority to collect A copy of the original signed agreement bearing my signature An itemized accounting of the alleged balance Proof that the debt is within the applicable statute of limitations Please be advised that the statute of limitations begins to run from the date of the last payment made on the account, not from the date of charge-off, sale, assignment, or any subsequent reporting activity. Any attempt to restart, misrepresent, or re-age the statute of limitations constitutes a deceptive practice under 15 U.S.C. 1692e and an unfair collection practice under 15 U.S.C. 1692f.

Additionally, if you are not the original creditor and purchased this alleged debt, you are prohibited from misrepresenting the character or amount of the obligation. You must accurately disclose and report the actual amount you paid to acquire the debt, as any reporting of an inflated balance beyond your true financial interest constitutes a false representation of the debts amount in violation of 15 U.S.C. 1692e ( 2 ) and applicable Pennsylvania law.

Until such validation is provided, you must cease all collection activity, including reporting or furnishing information to any consumer reporting agency, as required by 15 U.S.C. 1692g ( b ).

GLBA 15 U.S.C. 6802 Under the Gramm-Leach-Bliley Act, you are prohibited from sharing, selling, or reporting my nonpublic personal financial information without lawful authority and proper consent. If you can not demonstrate a permissible purpose and legal authorization to possess and disclose my information, continued reporting constitutes an unlawful disclosure under 15 U.S.C. 6802.

Pennsylvania Law As a Pennsylvania consumer, I am further protected by the following statutes : Pennsylvania Fair Credit Extension Uniformity Act ( FCEUA ), 73 P.S. 2270.1 et seq., which incorporates FDCPA standards and prohibits deceptive, misleading, or unfair debt collection practices Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ), 73 P.S. 201-1 et seq., which provides additional remedies for deceptive or unlawful conduct Any attempt to collect, report, or validate a debt without proper legal standing or through misrepresentation may constitute violations of these statutes and expose your company to civil liability. 

Demand for Removal If you are unable to fully satisfy the validation requirements outlined above, you are hereby demanded to : Permanently remove the account from all consumer reporting agencies, and Cease all collection efforts immediately Failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Pennsylvania Attorney General, and any other appropriate regulatory or judicial authority. 

This notice is sent in good faith to resolve this matter. Please provide your written response within the time period required by law. 

Sincerely, XXXX XXXX XXXX, Pennsylvania

Company response to consumer: Closed with explanation