Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MI XXXX RE : Request for Proof of Assignment and Dispute of Alleged Debt Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
I DEMAND YOU REMOVE THIS ENITRE ACCOUNT FROM MY CONSUMER REPORT Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
I DEMAND YOU REMOVE THIS ENITRE ACCOUNT FROM MY CONSUMER REPORT To Whom It May Concern : I am writing to formally dispute the validity of the above-referenced account that you are attempting to collect or report. According to the Fair Credit Reporting Act ( FCRA ) and federal case law, any entity that furnishes information to a credit bureau or attempts to collect a debt must have clear, documented legal authority to do so.

You are hereby requested to provide the following within 30 days : 1. A complete chain of assignment from the original creditor to your company.

2. Proof of ownership or legal right to collect on this debt.

3. All contracts, bills of sale, or transfer agreements proving the assignment of this account to you. 



Under 15 U.S.C. 1681s-2 ( a ), you are prohibited from reporting inaccurate or unverifiable information to any credit bureau . Furthermore, if you continue to report or collect on a debt without legal assignment, you are in direct violation of 15 U.S.C. 1681s-2 ( b ), which requires furnishers to conduct a thorough and reasonable investigation upon receiving notice of a dispute.

This requirement is supported by federal case law : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Credit furnishers must investigate and verify all disputed information, especially legal ownership. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXXXXXX XXXX XXXXXXXX ) Emphasizes the importance of fully investigating disputed accounts. 

XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) Courts have ruled that lack of valid assignment documentation renders a debt inaccurate for reporting purposes. 



If you are unable to produce these documents, I demand that you : Cease all collection efforts, Delete any tradeline you have furnished to credit bureaus, and Confirm in writing that you have closed the account. 



Please be advised that failure to comply may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office.

This letter serves as both a formal dispute and a request for validation of debt under the FCRA and FDCPA ( 15 U.S.C. 1692g ).

Company response to consumer: Closed with non-monetary relief