Consumer complaint received 2025-10-01 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: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Re : Account Number XXXX ( as reported on XXXX  ) To Whom It May Concern : This letter is sent in response to your reporting of the above-referenced account on my XXXX  credit file. I dispute the validity of this debt in its entirety and demand full verification and validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, 1692e, and 1692c. 

I have never had any association with your company and therefore demand strict proof of this alleged obligation. 

Discrepancies in Reported Information Your reporting lists this account as opened on XX/XX/year>, yet the status was updated in XX/XX/year>, before the opening date. This is internally inconsistent and misleading. 

The account shows a balance of {$1200.00} as of XX/XX/year>, but is also reported as Collection account. {$1200.00} past due as of XX/XX/year>, which is vague, duplicative, and does not properly identify the creditor or contractual terms. 

No payment history is shown prior to XX/XX/year>, yet the account is scheduled to remain on record until XX/XX/year>, raising questions about the alleged delinquency date. 

These discrepancies raise serious concerns about the accuracy and legality of your reporting, in violation of 15 U.S.C. 1692e ( false or misleading representations ) and the Fair Credit Reporting Act ( FCRA ).

FDCPA Requirements 15 U.S.C. 1692g Validation of Debts You must provide the name of the creditor, the exact amount of the debt, and full validation if disputed in writing. You must also cease collection until such validation is provided.

15 U.S.C. 1692e False or Misleading Representations You may not misrepresent the amount, character, or legal status of a debt, nor communicate false or misleading credit information, including failure to report that a debt is disputed.

15 U.S.C. 1692c Communication Practices You may not contact me at inconvenient times, places, or communicate with third parties about this debt except under very limited conditions. 

Demand for Validation I formally demand the following : A copy of the original contract or agreement bearing my wet-ink signature. 

A complete itemized accounting of the alleged balance of {$1200.00}, showing how the amount was calculated. 

Any insurance claim filed related to this debt.

The Bill of Sale or assignment proving your ownership and right to collect.

The full chain of title, assignments, forward flow agreements, or securitization documents, if any. 

Until such documentation is provided, you must cease all collection activities and credit reporting. 

Notice of Rights If you fail to validate this debt and continue reporting, you will be in violation of the FDCPA and FCRA. I will have no choice but to : File complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the XXXX Attorney Generals Office.

Consider pursuing legal remedies under 15 U.S.C. 1692k, which provides for statutory damages, actual damages, and attorneys fees. 

You are required to respond in writing within 30 days of receipt of this letter. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief