Consumer complaint received 2024-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX, Wisconsin XXXX ) ( XX/XX/year> ) Midland Credit Managem XXXX XXXX XXXX  XXXX XXXX XXXX, Michigan XXXX Re : Verification of alleged debt pursuant Section 809 of the Fair Debt Collection Practices Act ( FDCPA ) covering validation of debts : Case # XXXX To Whom It May Concem : This letter is being sent to you in response to a notice sent to me on ( date ). Be advised that this is not a refusal to pay, but a notice sent pursuant to Sec. 809 ( b ) of the Fair Debt Collection Practices Act that your claim is disputed and validation is requested.

This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

Please provide me with the following : * The basis of the alleged debt or, in other words, what the money you say I owe is for * An explanation as to how you mathematically calculated what you say I owe * Copies of any papers that show I agreed to pay what you say I owe ; * A certified copy of any judgment if applicable; * The name and address of the original creditor; * Proof that the Statute of Limitations has not expired on this account; * Sufficient evidence that you are licensed to collect in my state ; and * Your license numbers and the name and address of your Registered Agent.

Please be advised that if your offices have reported any incorrect information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), such an action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports as a result of your company 's actions, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act ; Violation of the Fair Debt Collection Practices Act ; and/or Defamation of Character ; If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel as to when suit may be filed. This includes the giving of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no proof provided that it is.

If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request must be sent to me immediately.

I also am requesting that no telephone contact be made by your offices with my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by the United States Postal Service.

It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, and any information obtained shall be used for that purpose. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation