Consumer complaint received 2025-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Hereinafter collectively referred to as Claimant To : Midland Credit Management Attn : Consumer Support Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Hereinafter collectively referred to as Respondent, you, your company RE : Alleged MCM account # XXXX Certified Mail # XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/scrub>/2025 NOTICE OF DISPUTE DEMAND FOR VALIDATION AND PROOF OF CLAIM To Whom it May Concern : This letter is being sent in response to a computer-generated, pre-legal notification dated XX/XX/scrub> 2025, received from your offices, stating that Midland Credit Management is considering forwarding the alleged account to an attorney for potential litigation. On XX/XX/scrub> 2025, Claimant received notice from your company, which matches the date listed as your response. Given the lack of proper notification, I believe there are discrepancies that require immediate investigation and correction. 

Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the " debt '' by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter.

This is NOT a request for " verification '' or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached " Declaration and Proof of Claim '' that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore, you shall cease all verbal communication. No phone calls to the Claimant.

At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus, such as, XXXX, XXXX and XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of Claimant credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a " dishonor '' and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. 
If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief