Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management, XXXX XXXX BIG XXXX XXXX XXXX XXXX XXXX MI XXXX Formal Dispute and Demand for Debt Validation MCM Account XXXX in the amount of XXXX Dear Midland Credit Management XXXX This letter constitutes a formal dispute of the debt you claim I owe and is a demand for strict validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g. 

I am writing in response to your recent communication ( e.g., letter dated [ Date of their most recent letter ] ) regarding an alleged debt under your Account No. [ Midland Account Number ] and the alleged amount of $ [ Amount ]. 

I. Immediate Cease and Desist of Collection Activity Be advised that I dispute the existence, validity, and amount of this alleged debt. As this written notice is provided within the initial XXXX validation period, you must cease all collection activity immediately until full validation is provided. 

Under 15 U.S.C. 1692g ( b ) : " If the consumer notifies the debt collector in writing within the thirty-day period ... that the debt... is disputed, the debt collector shall cease collection of the debt ... until the debt collector obtains verification of the debt or a copy of a judgment, and a copy of such verification or judgment is mailed to the consumer. '' II. Required Validation Documentation To validate this debt and prove you have the legal right to collect from me, you must provide the following competent evidence : Original Creditor Information : The name and address of the original creditor to whom the debt was owed, as required by 15 U.S.C. 1692g ( a ) ( 2 ).

Proof of Assignment/Purchase : Documentation that clearly demonstrates a valid chain of custody, proving that this specific debt was legally purchased or assigned to Midland Credit Management and that you have the right to collect it from me. This must show the debt was properly assigned from the original creditor to the first buyer, and from every subsequent buyer ( if any ) to MCM. 

Proof of Obligation : A copy of the original contract or other instrument bearing my signature that created the initial debt obligation. 

Full Accounting : An itemized accounting of the alleged debt, including the original amount, any interest, fees, charges, or penalties added since the original charge-off, and all payments made to date. 

Credit Reporting Requirement : If you have already reported this debt to any credit bureau, you must immediately inform them that the debt is disputed, as required by the Fair Credit Reporting Act ( FCRA ). 

XXXX. Consequences of Non-Compliance If you fail to provide this comprehensive validation, you are barred from continuing collection activities. Any attempt to collect or report this debt without providing the requested validation will be considered a violation of the FDCPA and 15 U.S.C. 1692e, which prohibits false, deceptive, or misleading representations. 

I demand a response and the requested documentation within XXXX calendar days of your receipt of this letter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief