Consumer complaint received 2025-07-05 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: CA

Complaint narrative:
I sent Midland Credit Management a formal request for debt validation on XX/XX/year>. I called them on XX/XX/year> to confirm if they received my request and they did. They asked me what I wanted them to do with the letter, and I told them to provide me with the information that I requested. XXXX days have passed and I stated in the letter that they had XXXX  days per 15 U.S.C. 1692g ( b ). Today is XX/XX/year>, and I still haven't received a response. I've been following up with them, as well. The letter I sent them on XX/XX/year> stated this : This letter is being sent in response to your recent communication regarding the alleged debts associated with the above-referenced account numbers. I am exercising my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C.

1692g ( b ), which mandates that you validate the debt if requested within 30 days. 
Additionally, I am also asserting my rights under the California Consumer Collection Act ( CCCA ), specificallyCalifornia Civil Code 1788.17, which requires debt collectors to cease collection activity upon receiving a written dispute and alsoCalifornia Civil Code 1788.10, which prevents false or misleading representation. 
I am formally requesting that you provide the following documentation to substantiate these alleged debts : XXXX. Original Creditors Information : Please provide the full name and address of the original creditors to whom this debt was allegedly owed. This is necessary to determine the legitimacy of your claim, and this is also required underCalifornia Civil Code 1788.52.

2. Complete Accounts History : I require a full and complete account history, beginning from the date the accounts were opened until the present day. This must include all payments, charges, fees, and any other transactions. Providing a true and correct accounting of the claimed debt is a requirement of the CCCA, California Civil Code 1788.10.

3. Original Contracts or Agreements : I am requesting a copy of the original contracts or agreements, signed by myself ( or proof that I agreed to the terms and conditions of the account ) that demonstrates my legal obligation to pay this debt. Per the FDCPA, 15 U.S.C. 1692g ( a ) ( 1 ), you must provide sufficient evidence of my responsibility to pay. Additionally, I am asserting my right to this information underCalifornia Civil Code 1788.52 4. Proof of Assignments or Purchase of the Debts : If your company is not the original creditors, please provide documentation demonstrating your legal right to collect on these debts, including the chain of title showing each entity that has owned the debts. This must contain each entity & # XXXX ; s full name, address, and the date they owned the debts. The CCCA, specificallyCalifornia Civil Code 1788.52 ( b ) ( 6 ), requires you to provide this information upon written request.

5. Itemized Accounting : Please provide a clear itemization of the alleged debts, including the principal balances, any accrued interest, fees, or other charges. Per the FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ), the amount and balance being claimed must be disclosed accurately. This information is crucial to ensure compliance with the CCCA requirements that all statements be complete and accurateCalifornia Civil Code 1788.10 ( a ). 
I am also requesting that you provide an affirmation that all documentation provided has been checked for accuracy and is free from any inaccuracies or inconsistencies as is required under 15 U.S.C. 1692e ( 10 ). Further, California Civil Code 1788.13mandates you provide written verification of the debts if requested and also underCalifornia Civil Code 1788.17 ( a ) you have to cease all collections activity during this time of validation. 
I understand you have XXXX ( XXXX ) days from the receipt of this letter to provide the aforementioned documentation. Please be advised that until such time as these debts are fully validated, I will not acknowledge the debts. Any further collection activity, including but not limited to, telephone calls, letters, or derogatory credit reporting entries, will be viewed as a violation of the FDCPA and CCCA and will be handled accordingly.

Furthermore, any false information you provide me about these debts, failure to validate these debts with all requested documentation, or the continuation of collection activity during the validation period, will be viewed as a violation of the FDCPA and the CCCA. I will take the proper steps as defined in 15 U.S.C 1692, andCalifornia Civil Code 1788.30.

Please send all requested information to the address listed above via certified mail with return receipt requested. 
Thank you for your prompt attention to this matter. 
Sincerely, ___________________________________________ XXXX : XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, All Rights Reserved Near XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ]

Company response to consumer: Closed with explanation