Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
To : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Debt Dispute & Validation Request Under Federal Law Reference : Alleged Account # XXXX | Original Creditor : XXXX XXXX XXXX XXXX XXXX 

Dear Midland Credit Management, I am writing to formally dispute the validity and legal standing of any and all alleged debts you claim I owe. I do not acknowledge this account, nor do I have any contractual obligation to your agency. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am exercising my right to : Cease Unauthorized Communication You are hereby instructed to cease and desist all non-written communication. This includes all phone calls, emails, text messages, or any form of digital contact. All future communication must be made in writing only, to the address listed above. 
Full Debt Validation Request Pursuant to 15 U.S.C. 1692g and 12 CFR 1006.34, I request the following documentation for full debt validation : XXXX. A full accounting and itemization of the alleged debt. 
XXXX. A copy of the signed contract or agreement bearing my signature. 
XXXX. The complete purchase agreement between the original creditor and your agency. 
XXXX. Proof that your agency is licensed and bonded in the XXXX XXXX XXXX to collect debts. 

Violations of XXXX XXXX XXXX XXXX XXXX Compliance This account was reported to consumer reporting agencies without proper validation notice and without providing a meaningful opportunity to dispute. Specifically : - 12 CFR 1006.34 ( b ) ( 5 ) Failure to provide validation information prior to credit reporting. 
- 12 CFR 1006.34 ( c ) ( 4 ) No meaningful opportunity was provided to dispute the debt.

- 15 U.S.C. 1692e Use of false, deceptive, and misleading representation in collection activity. 
- 15 U.S.C. 1681s-2 Furnishing information to credit bureaus without meeting disclosure and investigation obligations. 
- XXXX XXXX & XXXX XXXX XXXX data that is incomplete, unverifiable, or inaccurate constitutes violation of industry data furnishing standards. 
XXXX XXXX Required You are hereby notified to : - Cease all collection activities until full validation is provided. 
- Immediately remove all references to this account from XXXX XXXX XXXX XXXX due to lack of legal standing, inaccurate reporting, and regulatory non-compliance. 

Addendum : This account may also be associated with fraudulent use of my personal data resulting from the XXXX XXXX data breach, of which I was a confirmed victim. I do not recognize this account, and I suspect this debt may have resulted from identity compromise. You are required to cease collection and provide full documentation to investigate this claim. 
If you fail to comply with this request or continue to report this unverifiable debt, I will not hesitate to file formal complaints with the : - Consumer Financial Protection Bureau ( CFPB ) - Federal Trade Commission ( FTC ) - XXXX Attorney Generals Office I reserve all rights available under federal and state consumer protection laws.

Company response to consumer: Closed with explanation