Consumer complaint received 2025-01-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Subject : Final Notice Notice of Violations Midland Credit Management I am writing to dispute the alleged debt referenced under account number XXXX Despite multiple attempts on my part to inform you that this debt does not belong to me, Midland Credit Management has failed to address my concerns or provide the required documentation. Additionally, this account was previously removed by the original creditor, further confirming that the debt is not valid. 

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request and receive Proof that Midland Credit Management owns or was assigned the alleged debt from the original creditor. ( Bill of Sale ) A copy of the original ( signed ) contract or agreement tying me to this debt. 

An itemized breakdown of how the alleged balance was calculated, including all payments, fees, and interest. 

You have failed to provide this legally required information after multiple requests, which is a direct violation of the FDCPA. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, any information reported to credit bureaus must be accurate and verifiable. By continuing to report this debt without proper validation, you violate the FCRA. 

Specific Points of Violation Lack of Proof : A general bill of sale or transfer agreement between Midland Credit Management and the original creditor is insufficient to establish my responsibility for this debt. Without documentation directly connecting me to the alleged obligation ( e.g., the original signed contract ), your claims are not valid. 
Failure to Provide Validation : I have requested validation of this debt on multiple occasions, yet you have failed to respond with the legally required information. This violates 15 U.S.C. 1692g ( b ), which requires debt collectors to cease all collection activities until proper validation is provided. 

Reporting Inaccurate Information : Reporting this unverified debt to credit bureaus constitutes a violation of my rights under the FCRA. If Midland Credit Management can not validate the debt, it must immediately notify all credit bureaus to remove this account from my report. 

Debt Does Not Belong to Me : I have repeatedly informed you that this debt does not belong to me. Furthermore, the original creditor removed this account from my record, demonstrating that they do not consider the debt valid. Your continued attempts to collect on this account are both unjustified and unlawful. 

Potential Breach of Privacy : I believe my personal information may have been compromised in connection with this account. If so, this would represent a further violation of federal and state privacy laws. 

My Demands Since you have failed to validate the debt as required by law : Cease all collection efforts, including phone calls, letters, and reporting to credit bureaus. 
Notify all credit reporting agencies to delete this account from my credit report. 
Provide written confirmation that you have closed this matter and will not pursue it further. 

If you do not comply, I will take the following actions : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office. 
Pursue legal action against Midland Credit Management for violating the FDCPA and FCRA. 

I will attach what was sent to me by Midland Credit management there is nothing with my signature no ID identification, social or anything that binds me to the legal contract of this debt Midland Credit management has violated my rights. Ive looked through the documents that were sent to me. I have no signature no anything thats connected me to this debt after multiple attempts to let them know that my information was breached and may have caused of this. I was treated disrespectfully rudely over the phone and also feel disrespected by Midland credit management continuously to update on my credit report, and without proven that I own this debt after disputing this debt since XX/XX/2024, I havent had any proper Validation that I owe the debt, and also the original creditor that midland credit management claimed that I owe is no longer on my credit report finding inaccuracies so being that original creator has Has deleted this account to because of the inaccuracies and no proof that I owned the debt. I demand that is that be removed this collection be removed immediately. 

This letter serves as formal notice. You must respond with all requested documentation within 30 days of receiving this letter. Failure to respond adequately will confirm that you can not validate the debt, and I will escalate this matter.

Company response to consumer: Closed with non-monetary relief