Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Sent the following letter multiple times as well as disputed the information twice through XXXX XXXX, however never received any information from the company following a more recent letter i sent via US mail, i was then served for one of the accounts mentioned in the letter, instead of responding or verifying the debt they served me with a summons at my residence listed below to appear in court the residence in their summons is not correct. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management , XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : reported collection accounts reported by this agency One alleged account in the amount of XXXX reported XX/XX/2025, and one alleged account in the amount of XXXX reported XXXX XXXX, no account numbers were listed on the site. Disputed two separate times with no response.

To Whom It May Concern, I am writing in response to an alleged debt that is being reported to credit bureaus, as a collection account Midland Credit Management , XXXX. I have never received any form of notice on this alleged debt, written or otherwise prior to it being reported on my credit report, which is a violation of my rights pursuant to Fair Credit Reporting Act ( FCRA ) 15 U.S.C 1681.

Be advised that I am formally disputing this alleged debt as I have no knowledge of it and believe that I may be a victim of identity theft or mistaken identity. I am requesting Debt Verification, pursuant to The Fair Debt Collection Practices Act ( FDCFA ) 15 U.S.C. 1692g.

I respectfully request that your office provides me with complete written documentation and copies ( via us mail ) of the following : 1. The name and address of the original creditor, and the original contract or agreement that bears my signature or name, or any documentation that proves that I am responsible for the alleged debt.

2. An itemized statement showing the alleged amount owed including but not limited to, a detailed breakdown of any interest, fees, payments and credits added since itemization date.

3. A full chain of title, including all assignments and transfers of the alleged debt to prove who actual owns the alleged debt in question.

4. Details and licensing that proves your agencies authority to collect this alleged debt in the state of Colorado. ( Name, date of license, license number and state agency that issued the license ) If you are reporting this alleged debt from outside of Colorado, please provide the licensing information from your state as well.

Kindly suspend all further collection activity and reporting until you are able to provide the above referenced documentation and verification, of this alleged debt and this agencies ownership and ability to legally collect it. Which again I received no notice of prior to it being reported to the credit bureaus, violating my rights pursuant to FDCPA, and FCPA.

I will await your reply and the requested documentation, requested to be sent via US mail, to the above listed and only residence Ive had for years Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief