Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
FORMAL DISPUTE OF ALLEGED DEBT, DEMAND FOR VALIDATION, CEASE AND DESIST, AND IMMEDIATE CREDIT REPORT DELETION Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Amount : {$650.00} Please accept this complaint as a formal dispute of the validity of the above-referenced alleged debt and a demand for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Until proper validation is provided, you are required by law to cease all collection activities.

In addition, I am demanding immediate deletion of any reporting of this alleged debt from all consumer credit reporting agencies ( Equifax, Experian, and TransUnion ). If you can not or will not provide a complete and lawful validation of the alleged debt as outlined below, you are required to promptly and permanently remove all tradelines or references to this account from my credit file.

Please provide and upload all documentation in your response on this case through the CFPB. 

As you are aware, the case of XXXX XXXX XXXX XXXX XXXX, XXXX established that debt collectors must provide sufficient evidence to prove the validity of a debt, including PROOF of ownership and assignment of the debt. In this case, the court ruled that mere account statements or generic affidavits are insufficient to validate a debt or establish standing to collect. Furthermore, Regulation F, which took effect on XX/XX/year>, reinforces these requirements by clarifying the standards for debt validation and prohibiting deceptive or unfair practices in debt collection. 


In order to satisfy YOUR OBLIGATIONS under federal law, you must provide the following documentation : 1. The name and mailing address of the original creditor and current creditor.

2. A detailed and itemized breakdown of the amount you claim is owed, including all fees, interest, and charges.

3. A copy of the original signed agreement allegedly binding me to the debt.

4. Documentation evidencing a complete and unbroken chain of title of the alleged debt, from the original creditor to all subsequent assignees, including your agency.

5. Evidence that the alleged account was not securitized and/or reassigned to any trust entity, or if it was, the documentation showing all assignments and transfers including any return to the original creditor.

6. A notarized affidavit from a competent individual with personal knowledge affirming the accuracy and ownership of the alleged debt. 

Until and unless this information is provided, you are instructed to cease all contact with me and any third party regarding this matter. AGAIN PLEASE PROVIDE ALL PROOF THROUGH AS SUPPORT ON THIS CFPB POTRAL.

Further, under the FCRA, you are hereby notified that I dispute this debt. If it is currently being reported to any credit bureau, it must immediately be marked as dispute. If you fail to provide proper validation as required, I am demanding permanent deletion of this tradeline from my credit file.

Please also state your permissible purpose, under 15 U.S.C. 1681b of the FCRA, for accessing or furnishing information about me to any consumer reporting agency. If you accessed my credit report without a permissible purpose, such action constitutes a willful violation and may expose you to liability under 15 U.S.C. 1681n.

If you intend to assign or sell this alleged debt to another party, you are legally obligated to notify them of this active dispute. 

If you are unable to provide full and complete validation, as required, you must immediately : Cease all collection activity ; Remove all entries related to this account from my credit reports with all credit reporting agencies ; Confirm in writing that the account has been closed and is no longer being pursued. 

Please be advised that I am maintaining detailed records of all correspondence. Any failure to comply will result in complaints to the Consumer Financial Protection Bureau, the, Federal Trade Commission ( FTC ), and my states Attorney General, and I will pursue all available legal remedies under state and federal law.

Company response to consumer: Closed with non-monetary relief