Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
THIS IS MY THIRD TIME CONTACTING THIS COMPANY I do not acknowledge nor accept liability for this alleged debt, and I refuse to remit payment. This letter serves as a formal notice demanding that Midland Credit Management immediately cease all collection activities and communications concerning this account. Collection activity expressly includes reporting, verifying, or updating information with any consumer reporting agency. I am asserting my right to full and complete validation of this account. I am specifically requesting ALL Original Account Level Documentation ( OALD ). I am not requesting summaries, internal spreadsheets, data screenshots, or documentation labeled merely as available. I require authentic, original account-level records. Identify the individual who claims to have requisite and personal knowledge of the facts related to this account, including the authenticity and genuineness of the alleged obligation and possession of the OALD. That individual must be competent to establish a prima facie case consistent with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requisite knowledge can not be based solely upon Midlands internal books or records. Confirm that this individual has personally reviewed the original account documentation and is sufficiently familiar with the original creditors record-keeping practices in compliance with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ]. Provide a complete chain of ownership for this account. This includes : A list identifying every prior debt owner Copies of each assignment of the alleged debt All prior assignments executed by any previous holder Additionally, provide a certified or properly authenticated copy of each bill of sale or transfer agreement evidencing the transfer of ownership from the original creditor at charge-off through each successive purchaser, including Midland. Provide a signed agreement or other document bearing my signature evidencing the opening of this account. I also require OALD reflecting actual purchases, payments, or other use of the account attributable to me. Provide OALD clearly identifying the original principal balance of the alleged debt, excluding post charge-off or post-judgment additions. If the amount currently reported exceeds the post charge-off or post-judgment balance, supply a detailed accounting explaining how the balance was calculated and identify the contractual provision and legal authority permitting such increases. I demand a complete transactional history of the account from inception with the original creditor, including full account statements. All original account-level documentation must be mailed directly to my address listed in the header of this dispute. These records must originate from the original creditor and not be reproduced solely on Midland Credit Management letterhead. Provide OALD reflecting the original contractual terms and conditions governing this account at the time it was opened, along with any subsequent amendments or changes to those terms. Disclose the date of the last payment made to the original creditor. Confirm that you are not attempting to collect a time-barred debt outside the applicable statute of limitations and that you have complied with disclosure obligations regarding legal enforceability pursuant to 15 U.S.C. 1692e ( 5 ). Provide a copy of Midland Credit Managements written dispute policies and procedures, including a description of the compliance system used to maintain and implement those procedures. This constitutes a Direct Dispute. You are required to conduct a reasonable and complete investigation within 30 days of receipt of this request pursuant to 15 U.S.C. 1681i ( a ) ( 1 ). Should you attempt to classify this dispute as frivolous or irrelevant, be advised that my full legal name, mailing address, and the account number as reported appear in the header of this request. Any such determination must be communicated to me in writing within five days of receipt. State clearly the present legal status of this account within your records. You are prohibited from making any false, deceptive, or misleading representations in connection with this alleged debt pursuant to 15 U.S.C. 1692e ( 10 ). I am prepared to enforce my rights under federal consumer protection statutes and pursue relief in a court of competent jurisdiction pursuant to 12 U.S.C. 5565 ( a ) ( 1 ) for violations of the FDCPA, 15 U.S.C. 1692a, 1692e, 1692l, and the FCRA, 15 U.S.C. 1681s-2. I am fully aware that statutory damages of up to {$1000.00} per violation may be awarded in addition to actual damages sustained. You have 30 days to provide all requested documentation and to immediately remove any unlawful reporting associated with this account. Failure to permanently delete this account and issue a debt waiver will result in litigation being filed in a proper venue within my county. This statement is submitted as true and lawful.

Company response to consumer: Closed with explanation