Consumer complaint received 2025-07-14 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:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Debt Validation Demand under 15 U.S.C. 1692g, UCC 9-208, and 18 U.S.C. 894 To Whom It May Concern : This letter is a formal debt validation demand and cease and desist request concerning the alleged account you claim I owe. Pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ), UCC 9-208, and 18 U.S.C. 894, I am asserting my full rights under federal law and demanding that you immediately cease collection activity until all legal obligations regarding validation are fulfilled.

You Are Hereby Required to Provide the Following Within Fifteen ( 15 ) Days of Receipt of This Letter : A complete itemized accounting of the alleged debt, including all interest, fees, payments, and charges from inception to present. 

The original contract or instrument bearing my signature evidencing the debt obligation. 

Full chain of assignment or ownership, with legal evidence of each transferincluding dates, parties, and notarized documentation proving Midland Credit Management 's lawful ownership and right to collect. 

Name and address of the original creditor, along with the original account number. 

Proof that Midland Credit Management is licensed and authorized to collect debts in my state. 

An affidavit sworn under penalty of perjury affirming the accuracy and legitimacy of the alleged debt.

Legal Obligations and Consequences of Non-Compliance : Under 15 U.S.C. 1692g ( b ), all collection activities must cease immediately until the above information is provided in full. Continued attempts to collect without proper validation constitute a violation of the FDCPA and may subject your organization to civil liability.

Further, under UCC 9-208, a debtor has the right to request an accounting and status of obligations under any secured transaction. Failure to respond accurately within a reasonable time constitutes a breach of the UCC, for which you may be held accountable.

Additionally, under 18 U.S.C. 894, any collection activity that could be interpreted as coercive or extortionate, especially without legal basis, is a federal criminal offense.

Legal Precedent and Public Record of Misconduct : Midland Credit Management has a history of federal enforcement actions and class action lawsuits, including : Consumer Financial Protection Bureau v. Midland Funding, LLC, et al., No. 3:15-cv-01879 ( S.D. Cal. 2015 ) : MCM was ordered to pay {$86.00} million in penalties and consumer redress for unlawful debt collection and misrepresentation of debts. 

Mickens v. Midland Credit Management , Inc., 579 F. Supp. 3d 748 ( E.D. Mich. 2022 ) : Found MCM failed to properly validate debts and violated the FDCPA. 

Multiple state Attorneys General have investigated or fined MCM for abusive practices, including actions in Minnesota, Maryland, and New York. 

This documented pattern of behavior raises significant concerns about the accuracy and legality of your claims. 

Final Demand and Warning : You have 15 calendar days from the date of your receipt of this letter to comply in full with my request. If you fail to provide complete and legally sufficient validation : I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General.

I will consider pursuing civil litigation for FDCPA, FCRA, UCC, and other applicable violations.

You must immediately cease reporting this alleged debt to any consumer reporting agency, and any current entry must be removed as unverified and disputed. 

Take this letter seriously. It is a formal notice of dispute and legal demand under federal law. Any failure to comply will be documented as intentional non-compliance and may be used as evidence in court.

Company response to consumer: Closed with non-monetary relief