Consumer complaint received 2026-01-28 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: AK

Complaint narrative:
XXXXXXXX XXXX VIOLATION                                             NOTICE FOR REQUEST OF            XXXXCERTIFIED MAIL RETURN RECEIPT WITH MY WET HUMAN SIGNATURE AND CEASE    XXXX                                      AND DESIST OF SLANDER HARRASSMENT EMBARRASSMENT THREATS    XXXXDEFAMATION COLLUSION AGGRAVATED IDENTITY THEFT COLLECTIONS FALSE REPORTING & 18 USC 96 NOTICE XXXX                                                INTENT TO SUE I HAVE NO BUSINESS WITH XXXXYOUR COMPANY  UNDER FEDERAL LAW: Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and 15 USC 1692g(b), you are required to cease and desist from collecting upon the debt (including contacting a debtors credit) until you properly validate and verify the debt amount. THIS IS A REFUSAL TO PAY OR PERMISSIBLE PURPOSES  XXXXI DIDNT GIVE CONSENT TO USE THIS ACCOUNT/ESTATE: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX                                                                 PLAINTIFF: XXXX XXXX XXXX              \nDEFENDANT: MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRE: ALLEGED ORIGINAL CREDITOR: ??  ALLEGED ORIGINAL CREDITORS??  [ACCOUNT NUMBERS: XXXX XXXX ALLEGED DEBT AMOUNT OR BALANCE $?????  XXXXCERTIFIED MAIL# XXXX XXXX XXXX XXXX XXXX XXXXDEAR: MIDLAND CREDIT MANAGEMENT    BULK- DEBT XXXXCOLLECTOR STOP VIOLATING THE FDCPA USC 1692D   EXHIBIT A HJR 1933:    XXXXEXHIBIT A1: I AM UNAWARE OF THIS ALLEGED DEBT I DIDNT HAVE THE OPPORTUNITY TO DISPUTE XXXXTHIS ALLEGED DEBT I DIDNT RECEIVE PROPER NOTIFICATION IF IN FACT YOU BELIEVE IVE RECEIVED PROPER NOTIFICATION, PLEASE PROVIDE THE CERTIFIED MAIL WITH RETURN RECEIPT WITH MY WET SIGNATURE STATING THAT IVE RECEIVED IT. XXXXACCORDANCE TO 15 USC 1681s-2(a)(7)A(i) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM   XXXXRESPONDING TO THIS REQUEST. IF YOU CANT PROVIDE ME WITH THIS INFORMATION, PLEASE STOP XXXXHARRASSING THIS LIVING WOMAN I DIDNT GIVE CONSENT TO USE THIS ACCOUNT: XXXX XXXX XXXX XXXX XXXX. SEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY SIGNATURE. PLEASE SEND DOCUMENTS FROM THE GRAND JURY AS WELL, WHICH I ONLY RECOGNIZED COMMON LAW FEDERAL LAW. XXXXSEND ONLY CERTIFIED MAIL WITH RETURN RECEIPT WITH MY HUMAN SIGNATURE. FORWARD FLOW AGREEMENT, CHAIN OF ASSIGNMENT, PURCHASE AGREEMENT, SECRURITIZED OF THE DEBT.  XXXXEXHIBITA2: I WAS MADE AWARE OF YOUR ATTEMPT TO COLLECT AND ALLEDGED DEBT AFTER I REVIEWED PUBLIC RECORDS. PLEASE BE THAT I HEREBY DISPUTE THE ABOVE-LISTED ALLEGED DEBT IN ITS ENTIRELY.  YOU ARE ON NOTICE THAT YOU ARE UNLAWFULLY ATTEMPTING TO COLLECT THE ABOVE-LISTED ALLEGED DEBT. XXXXCEASE&DESIST ALL COLLECTION ACTIVITY, INCLUDING REPORTING TO CONSUMER REPORTING AGENCIES XXXXCRAs) BUT THE CEASE & DESIST DOSENT INCLUDE YOU FROM RESPONDING TO THIS   REQUEST ABOVE IN EXHIBIT A1 AND IT DOSENT INCLUDE YOU FROM DELETING ALLEGED   DEBT FROM MY CONSUMER REPORT.  THIS LETTER IS EVIDENCE PROVIDED VIA TO THE   CONSUMER FINANCIAL PROTECTION BUREAU (CFPB). THE CFPB IS AUTHORZED TO FULLY   INVESTIGATE THIS MATTER AND RECEIVE ANY INFORMATION RELATED TO THERTO. BE ADVISED, IF YOU FAIL TO COMPLY WITH THIS LETTER, I MAY TURN THE MATTER OVER TO A CONSUMER ATTORNEY ALSO YOU MAYBE SUED BY THE CFPB.    ABRUPTLY,     XXXX XXXX. Living Woman UCC1-308 WITHOUT PREJUDICE without recourse BENEFICARY OF  ESTATE: XXXX XXXX XXXX NOT THE TRUSTEE ALL DEBTS ARE PREPAID OWN BY UNITED STATES INC HJR 1933   WHO  ARE YOU I HAVE NO BUSINESS WITH YOUR COMPANY XXXX XXXX XXXXNOTICE TO CEASE AND DESIST OF DEFAMATION, SLANDER, COLLUSION AND REPORTING TO CONSUMER DATA AGENCIES WITHOUT CONSENT AND INTENT TO SUE DELETE IMMEDIATELY'

Company response to consumer: Closed with non-monetary relief