Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX Midland Credit Management , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Re : Cease & Desist Demand for Validation of Alleged Debt / Reporting of Conflicting Balances Account : # XXXX Alleged Balances : {$1700.00} and {$1700.00} Original Creditor : XXXX XXXX  To Whom It May Concern, This letter is a formal dispute of the above-referenced account. After reviewing my credit reports, I have found multiple violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 ). 
Violations & Inaccuracies Conflicting Balances Reported Midland Credit Management is reporting XXXX different balances for the same account : {$1700.00} and {$1700.00}. This constitutes inaccurate, incomplete, and misleading reporting under FCRA 623 ( a ) ( 1 ) ( A ). If you can not prove which balance ( if any ) is correct, both must be deleted. 
No Proper Validation Provided I have not received the original signed contract with XXXX XXXX  establishing liability. A billing statement does not meet the standard of proper validation. 
No Security Agreement I demand production of the security agreement or contract between Midland Credit Management and XXXX XXXX, showing you have legal authority to collect and report this account. 
Missing Chain of Title You must provide the full chain of assignment/ownership from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Without this, you have no lawful standing. 
Willful Noncompliance Reporting unverified, conflicting information places you in willful noncompliance under FCRA 623 and FDCPA 809 ( b ), making you subject to civil liability and damages. 
My Demand Unless you can produce : The original signed contract with XXXX XXXX, The security agreement/collection contract between you and XXXX XXXX  XXXX A complete itemized accounting reconciling the conflicting balances, Proof of your authority and license to collect in the State of Illinois , then this account must be deleted from all credit bureaus immediately. 
Cease & Desist Until proper validation is provided, you are to cease and desist all collection activity, including : Reporting to XXXX, XXXX, or XXXX, Contacting me directly, Selling or transferring this account, Initiating or continuing any garnishment or legal enforcement activity related to this alleged debt. 
Notice of Legal Remedies If you fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office, and will pursue civil litigation for statutory, actual, and punitive damages under 15 U.S.C. 1681n and 1692k. 
You have 30 days from receipt of this notice to provide proper validation and resolve the balance discrepancy. Failure to do so will result in immediate escalation. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief