Consumer complaint received 2024-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Dear XXXX XXXX, Division XXXX, This letter is in response to the communication dated XX/XX/XXXX, regarding an alleged debt associated with XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). I dispute the validity of this debt, and I am demanding an immediate investigation and cessation of your reporting to any consumer reporting agencies under federal law, as outlined below.

Violations of Federal Law Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

You are reporting this debt to consumer reporting agencies without permissible purpose or validation, violating your obligations under 15 U.S.C. 1681s-2. Specifically : You have failed to demonstrate accurate and complete information, as required by 1681e ( b ).

You are reporting information without proper investigation into its validity, violating 1681i ( a ). 
Under XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), furnishing incomplete or misleading information, especially regarding disputed accounts, constitutes a violation. 
Violation of the Privacy Protection Act, XXXX XXXX. XXXX By unlawfully reporting and utilizing my personal information, you have failed to protect the confidentiality and security of my nonpublic personal information, contrary to the Privacy Protection Act. This constitutes an invasion of my privacy. 

Violation of the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq. 

Under XXXX ( c ), I demand an immediate cease-and-desist of all communications, including furnishing information to consumer reporting agencies, as you have no legal or contractual authority to pursue this matter. 
Under XXXX, your threats of legal action and improper reporting constitute false and misleading representations about the character and enforceability of this alleged debt. 
As a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are not obligated to repay debts incurred as a result of exploitation or coercion. You have continued to furnish this debt without acknowledgment of my status as a victim, causing further emotional harm. 

Demands XXXX and XXXX XXXX You must immediately stop reporting this alleged debt to consumer reporting agencies, as you have no permissible purpose to do so without proper validation. 

Validation of the Debt Provide all documentation to substantiate the validity of this debt, including : A complete chain of title demonstrating your legal ownership of the debt. 
The original agreement with XXXX Bank showing my consent to the debt and its terms. 
Correction of XXXX If you can not provide validation, you are required under XXXX to notify all consumer reporting agencies and delete the negative entries related to this account. 

XXXX XXXX I hereby revoke any and all consent for you to communicate with me via phone, email, or other electronic means. You XXXX only contact me through written correspondence sent by mail or via the CFPB complaint portal. 

Notice of Action Failure to comply with these demands within 30 days will leave me no choice but to escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. I will also pursue legal remedies, including arbitration and claims for damages, under the aforementioned laws.

Company response to consumer: Closed with non-monetary relief