Consumer complaint received 2025-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am writing to dispute the following information in my file which is showing as I am responsible for but I am not, this account was transferred to another office. 
This item Midland Credit Management {$470.00}, XXXX XXXX  {$790.00} and XXXX XXXX XXXX {$680.00}. claims I am Liable for this account but this is inaccurate because I dont Owe this account, per the FCRA law if the consumer has not been sent original verification of the debt per his/her request it should be removed IMMEDIATELY. 
Please reinvestigate this matter and Delete the disputed item as soon as possible. 
With that being said I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. XXXX  XXXX. Agreement that bears the signature of the alleged debtor wherein XXXX agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX.XXXX., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. 
Intimate knowledge of the creation of the debt by you, the collection agency. 
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, XXXX, vs. XXXX XXXX, No. XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX  XXXX  XXXX  XXXX, XXXX, the courts ruled that reporting a collection account indeed is considered collection activity. 
Closed accounts that need to be revised : XXXX XXXX {$2400.00} opened XX/XX/XXXX, XXXX {$0.00} opened XX/XX/XXXX, XXXX  XXXX/XXXX  opened XX/XX/XXXX While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
Also, the ONLY ADDRESS that needs to be reflected is the XXXX on the ID attached Also I have inquiries that need to be removed. XXXX XXXX XX/XX/XXXX, XXXX  XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX services, People facts XXXX I look forward to a speedy resolution of this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief