Consumer complaint received 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
By Special Appearance Only/ Without Prejudice UCC 1-308 To : Midland Credit Management , Inc . 
XX/XX/XXXXXXXX From : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date : XXXX XXXX Re : Unauthorized Collection Activity / Credit Reporting Violations Dear Midland Credit Management, This serves as formal notice that you are in violation of multiple federal consumer protection laws with regard to the alleged account referenced in your correspondence dated XX/XX/XXXX ( Pre-Legal Notification ). 

Despite my prior Cease and Desist Notice, you have continued to contact me in direct violation of 15 U.S.C. 1692c ( c ) ( FDCPA ). Additionally, you have refused to remove inaccurate and unvalidated information from my consumer credit file, constituting violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) & ( b ) ). 

You are not the original creditor, but a third-party debt collector. You have not provided proper validation of the debt as required by 15 U.S.C. 1692g ( b ). The documents you must produce include, but are not limited to : 1. Chain of assignment proving you have legal ownership and the right to collect.

2. Copy of the original signed contract between myself and the original creditor.

3. Full accounting/ledger of all charges, payments, interest, and fees.

4. Proof of licensing to collect debts in the State of Georgia.

5. Identity of systems or personnel who verified and reported the debt to the credit bureaus. 

Until and unless you provide full validation, you have no legal standing to collect or report this debt. 
Violations Cited - FDCPA Violations : Continued communication after cease & desist ( 15 U.S.C. 1692c ( c ) ).

Failure to validate debt ( 15 U.S.C. 1692g ( b ) ).

Misrepresentation of ownership and standing ( 15 U.S.C. 1692e ).

- FCRA Violations : Reporting inaccurate information without reasonable investigation ( 15 U.S.C. 1681s-2 ( a ) ).

Failure to properly investigate my disputes with the bureaus ( 15 U.S.C. 1681s-2 ( b ) ). 

- Case Law Supporting Consumer Rights : XXXX XXXX XXXX, 559 U.S. 573 ( 2010 ) FDCPA applies strictly ; ignorance is not a defense. 
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) Debt collector must prove ownership of debt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX App. XXXX ) Debt buyer lacked standing where chain of title was not proven. 
Demand to Cure ( 10 Days ) You are hereby given ten ( 10 ) days from receipt of this Notice to : 1. Cease all communications except to provide full debt validation.

2. Remove all tradelines you have reported to Equifax, Experian, and TransUnion regarding this account.

3. Provide written confirmation that you have complied.

Failure to cure these vio
lations within the timeframe provided will result in immediate legal action in United States District Court for violations of the FDCPA, FCRA, and other applicable laws.

You may be held liable for statutory damages, actual damages, court costs, and attorneys fees pursuant to 15 U.S.C. 1692k and 15 U.S.C. 1681n-o. 

Respectfully, ____________________________ XXXX XXXX XXXX XXXX XXXX Authorized Representative

Company response to consumer: Closed with explanation