Consumer complaint received 2026-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am requesting the following : Identity theft fraudulent account 1. Full validation and documentation proving this account was lawfully established for Collection and charged off. 2. Copies of the original signed contract or agreement bearing my signature. 3. A detailed payment history, including how the balance and charge-off status were calculated. If you can not provide I am formally disputing the accuracy and validity of the collection charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. The details of the fraudulent account are as follows : Creditor Name : To Whom It May Concern, I am writing in response to a received on regarding an alleged debt XXXX XXXX claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail o Email Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : different date opened, XXXX XXXX XXXX XXXX XX/XX/year> Amount : {$3000.00} ( I never signing any documentation with my hand and letters giving any permissions for used my personal information without my permission I was victim of identity theft ) Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. The balance, past due amount, and status are not accurately reported. The account does not reflect complete and verifiable records of the debt. Under FCRA 15 USC 1601, FCRA 609 ( a ), FCRA 15 USC 1692, FCRA 611, And If they dont delete negative items off my credit report after this notice I will owe you {$1000.00} per item which is 15 USC 1681N which is civil liability complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA XXXX Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. I expect your investigation and response within the required 30 days. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation