Consumer complaint received 2025-11-27 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: NY

Complaint narrative:
I dispute the validity of this alleged debt in its entirety, including the principal, interest, fees, charges, assignments, and any connection to me. This is a formal demand for immediate, comprehensive validation under FDCPA 1692g, FCRA 1681, XXXX, and XXXX XXXX Rules XXXX. Cease all collection activities, including the lawsuit, until full validation is provided, or face liability for violations, including statutory damages up to {$1000.00} per instance, actual damages, punitive damages, and attorney 's fees. 
Critically, this alleged account was previously disputed as fraudulent and removed from my credit report following successful disputes with the credit bureaus. This removal confirms the debt 's invalidity, likely due to identity theft or error, and your continued pursuit constitutes harassment and misrepresentation under FDCPA 1692d/e/f. Under FCRA 1681i ( a ), disputed unverified information must be deleted, and furnishers like you can not re-report or collect without reinvestigating and notifying me, your actions suggest willful noncompliance. My current XXXX  report ( Ref. XXXX, dated XX/XX/year> ) shows no trace of this account, further evidencing its fraudulent nature. If you re-inserted or reported it post-removal without proof, that's an additional FCRA violation under 1681s-2 ( b ).

Your complaint is riddled with errors : mismatched amounts ( {$3100.00} vs. {$3800.00} ), incomplete service affidavit, and failure to attach required XXXX evidence. Given XXXX 's documented history of pursuing unverified debts ( per CFPB actions ), dismiss the lawsuit now or expect a counterclaim for abusive practices, plus complaints to regulators that could trigger investigations and fines. 
Provide the following original/certified documents within XXXX  days, or I'll pursue all remedies, including court sanctions : Original Signed Contract : Full agreement with XXXX, with my signature ; explain enforceability under XXXX  XXXX  if absent XXXX 
Full Account History : All statements from opening to present, with transaction details and reconciliation of discrepancies. 
Chain of Title/Assignments : Signed bills of sale proving your ownership of this specific account. 
Dates and XXXX Proof : Opening, last payment, delinquency, charge-off dates ; confirm not time-barred under NY 's XXXX XXXX XXXX 
Licensing/Authorization : Your NY XXXX license and XXXX  authorization. 
XXXX XXXX : XXXX linking to me ; explain removal as fraudulent and rule out theft. 
Calculations : Line-by-line breakdown ; correct errors. 
Service Documentation : Complete affidavit per XXXX  XXXX. 
XXXX XXXX XXXX : All furnished data ; confirm cessation and deletion under FCRA. Provide details on prior disputes leading to removal. 
Prior Communications : All records, including from XXXX. 
Fraud Dispute Explanation : Affidavit explaining the account 's removal due to fraud disputes ; provide bureau correspondence confirming invalidity. 

Noncompliance will lead to immediate legal action. Contact only in writing. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation