Consumer complaint received 2025-03-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Dear Midland Funding, This letter serves as a formal dispute of all alleged debts you have reported or claimed are owed by me. I am also notifying you of multiple violations of federal consumer protection laws that you have committed in handling these alleged debts. Additionally, I want to make it clear that I am unaware of these debts, and I did not have an opportunity to dispute this information before it was added to my credit report. If you believe you provided me with proper notification, I request that you send me the certified mail receipt with my signature as proof. 

You are hereby directed to remove all references to these unverified debts from my credit report immediately due to the following violations : 1. Fair Debt Collection Practices Act ( FDCPA, 12 CFR 1006.34 ) : You failed to provide a written notice within five days of your initial communication, which is required by law to inform me of the amount of the debt, the creditor 's name, and my right to dispute the debt within 30 days. Failure to comply necessitates the immediate removal of the debt from my credit report.

2. Fair Debt Collection Practices Act ( FDCPA, 12 CFR 1006.22 ) : Reporting unverified debts to credit bureaus constitutes deceptive and unfair practices, violating prohibitions on false or misleading representations. This violation also requires the immediate removal of the debt from my credit report.

3. Fair Credit Reporting Act ( FCRA, 16 CFR 660.4 ) : You failed to ensure the accuracy of the information reported to credit bureaus, as required by law. Reporting debts without proper verification breaches your obligations as a data furnisher and necessitates the removal of this debt from my credit report.

4. Fair Credit Reporting Act ( FCRA, 16 CFR 660.7 ) : Despite my dispute, you have not provided validation of the alleged debt or investigated and corrected the inaccurate information. This failure to investigate or correct mandates the removal of the debt from my credit report.

5. Consumer Financial Protection Act ( CFPA, 12 CFR 1036.3 ) : Your actions constitute unfair and abusive practices by reporting unverified debts and failing to properly notify me of my rights. This is yet another violation that compels the removal of this debt from my credit report.

As part of this dispute, I demand the following : 1. Proof of Notification : I insist that you provide certified mail receipts with my signature showing that you properly notified me of this alleged debt and my rights to dispute it. Without such evidence, you can not claim to have fulfilled your legal obligations.

2. Validation of the Alleged Debt : Provide a complete purchase agreement or contract showing proof of ownership or transfer of the debt. Provide the method of validation, including all correspondence, agreements, or documentation that proves this debt is mine.

If you can not provide sufficient evidence validating this debt and demonstrating compliance with federal laws, you must immediately remove all references to this debt from my credit report and cease all collection activities.

Furthermore, if my rights continue to be violated, I will seek monetary compensation for the harm caused to my financial standing and emotional well-being. I will also pursue legal action and file lawsuits for each consumer law violation under the FDCPA and FCRA, which allow for statutory damages, punitive damages, and attorneys fees.

Lastly, I am invoking my rights under the FDCPA and issuing a cease-and-desist request. Effective immediately, you are prohibited from contacting me via phone, email, postal mail, or any other method. Any further communication will be considered an additional violation of my rights and will result in additional legal action.

This is your final notice. I demand the immediate removal of all unverified debts, compliance with my requests for validation, and adherence to this cease-and-desist directive. Should you fail to comply, I will take all necessary legal actions to protect my rights. 

Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief