Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> VIA CERTIFIED MAIL Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : CEASE AND DESIST VIOLATION OF ORS 646A.670 ( 1 ), UTCR 5.180 ( 2 ), AND FAILURE TO PRODUCE REQUIRED DOCUMENTATION To Whom It May Concern : This letter serves as a formal, unequivocal demand that Midland Credit Management , Inc. immediately cease and desist all collection efforts regarding any alleged consumer debt you claim is owed by XXXX XXXX XXXX 
On XX/XX/year>, you, as a debt buyer, initiated action to collect a consumer debt. Your conduct raises substantial concerns regarding compliance with ORS 646A.670 ( 1 ), which imposes explicit requirements on debt buyers regarding documentation, accuracy, and proof of ownership of any alleged debt. Any continued attempts to collect without producing the legally required documentation will be treated as knowing and willful violations of Oregon law.

Additionally, your actions appear non-compliant with UTCR 5.180 ( 2 ) regarding declarations and admissible supporting documentation. Any communication or filing that fails to meet these standards is defective, improper, and legally insufficient. 
This letter is your final notice : ________________________________________ YOU ARE ORDERED TO CEASE AND DESIST IMMEDIATELY FROM : XXXX. Any and all collection efforts, including calls, letters, emails, texts, or litigation attempts. 
XXXX. Initiating or continuing any legal action without full statutory compliance and proper documentation. 
XXXX. Contacting any third parties or attempting workplace communication regarding this alleged debt. 
XXXX. Communicating with me for any purpose except supplying the requested documents or confirming cessation of collection activities. 
________________________________________ MANDATORY DOCUMENT REQUEST You are hereby formally demanded to produce the following within 10 days : XXXX. The complete, unredacted purchase agreement This includes the full chain of title for the alleged debt, showing : The original creditor Every subsequent buyer or assignee Dates of each transfer Consideration paid Proof that Midland Credit Management has lawful ownership and the legal right to collect All attachments referenced in the purchase agreement A generic bill of sale or unverifiable summary is not acceptable. 
You must provide the actual purchase agreement that specifically identifies my alleged account as transferred. 
XXXX. Full documentation required under ORS 646A.670 ( 1 ) Including but not limited to : Account-level documentation from the original creditor Itemized statement of alleged charges, fees, and payments The original contract or agreement bearing my signature ( if one exists ) 3. All documentation referenced under UTCR 5.180 ( 2 ) Including any declarations, affidavits, business records, and supporting evidence you intend to rely on in any legal proceeding. 
________________________________________ FAILURE TO COMPLY WILL RESULT IN ACTION Should you fail to produce the required documentation or cease collection activity, I will : File complaints with the Oregon Department of Justice, Report to the Consumer Financial Protection Bureau, Notify any applicable state licensing authorities, and Consult with legal counsel to pursue statutory damages, sanctions, attorneys fees, and all remedies available under state and federal law. 
Nothing in this letter waives any rights, claims, or defenses. All rights are reserved. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation