Consumer complaint received 2025-02-20 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: SC

Complaint narrative:
I am writing to formally dispute the validity of the alleged debt referenced in your communication about this account listed. This letter is a request for debt validation as is my right under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. Pursuant to the FDCPA, I am requesting the following : Proof of your authority to collect debts in my state : Provide documentation that demonstrates your registration and compliance with all applicable state laws and regulations, including any required licensing.

Verification of the alleged debt : Provide a detailed accounting of the original debt, including the name of the original creditor, the original amount of the debt, and a breakdown of any fees, interest, or charges that have been added to the original balance.

Copy of the contract or agreement : A copy of the original contract or agreement that bears my signature, demonstrating that I have a legal obligation to pay the alleged debt. This documentation should clearly show that you have been assigned or have purchased this debt and are legally authorized to collect it on behalf of the original creditor.

Proof of assignment or sale of the debt : Documentation evidencing that the alleged debt was assigned or sold to your company, including all details of the transaction and proof that I am the correct party to whom this debt is owed.

Additionally, I am requesting clarification on your relationship to the legal fiction commonly referred to as the " strawman. '' Under the Uniform Commercial Code ( UCC ), a " strawman '' is considered a separate legal entity. Please provide evidence that you are pursuing this debt in a lawful manner that does not infringe upon my rights as a natural person distinct from any legal entity.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt, including : Verification that you have the authority to collect debts in my state.

Documentation confirming that you have the right to collect this particular debt.

A copy of any agreement that demonstrates that I owe the debt to your company or that you have the authority to collect on behalf of the original creditor.

Until these items are provided, I request that all collection activities cease immediately as required by the FDCPA. Additionally, please note that any further communication regarding this matter should be in writing.

If you are unable to provide this information, I request that you notify the credit bureaus to remove any reference to this alleged debt from my credit report.

Until these requests are fully satisfied, I request that you cease all collection activities, including, but not limited to, reporting this alleged debt to any credit reporting agencies, as required by the FDCPA. Failure to provide the requested information will be considered a waiver of all claims to enforce the alleged debt and an agreement to remove any negative reporting from my credit file.

Please be advised that I am aware of my rights under federal and state law, including my right to sue for violations of the FDCPA, and I am prepared to exercise these rights fully should this matter not be resolved in a satisfactory manner.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief