Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Date : XXXX XXXX Midland Credit Management , Inc . 
Attn : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX Re : Response to CFPB XXXX XXXX. XXXX and XXXX To Whom It May Concern : I am in receipt of your correspondence regarding the above-referenced CFPB cases. Your response fails to adequately validate the alleged debts and raises additional legal concerns, outlined below : 1. Failure of Proper Debt Validation Under 15 U.S.C. 1692g ( b ) ( FDCPA ), a consumer has the right to demand full validation of an alleged debt. The documentation you provided consists only of seller data from XXXXXXXX XXXX XXXX XXXX 
This does not satisfy the requirement for competent evidence. Specifically, you failed to provide : - The original signed contract or application with XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX 
- A complete payment history, showing how the balance was calculated. 
- The chain of title and legally binding assignments evidencing the sale of the accounts from the original creditors to Midland Credit Management. 
Given that consumer receivables are often securitized and transferred into asset-backed trusts, bare electronic data is inadequate to establish your ownership or standing. Without proof that you lawfully acquired the specific debts, you lack authority to collect or litigate. 
2. Statute of Limitations Pursuant to Fla. Stat. 95.11 ( 2 ) ( b ), the statute of limitations for actions on written contracts is five years. For revolving credit agreements, courts often apply the four-year limitations period under Fla. Stat . 95.11 ( 3 ) ( k ). You have not provided evidence of the date of last payment or default. If these accounts are time-barred, continued collection activity constitutes a violation of both the FDCPA and the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat . 559.72 ( 9 ).

3. Improper FDCPA Notice You allege validation letters were mailed on XX/XX/XXXX, and were not returned as undeliverable. Lack of returned mail does not constitute proof of receipt. As I never received these notices, your claim of compliance with 15 U.S.C. 1692g ( a ) is deficient.

4. Licensing in Florida You state you are licensed in every state which requires such licensing. Florida law requires consumer collection agencies to register with the Florida Office of Financial Regulation ( Fla. Stat. 559.553 ). Provide documentary proof of current registration. Absent such registration, your collection activity in Florida may be unlawful under Fla. Stat. 559.565.

5. Privacy Violations & Improper Publication You disclosed personally identifiable information ( including the last four digits of my Social Security number and account details ) in both CFPB responses and filings with the XXXX XXXX XXXX XXXX, without adequate redaction. This conduct violates : - XXXX XXXX XXXX XXXX XXXX. XXXX ( d ) ( 1 ) ( B ) which prohibits unredacted disclosure of Social Security numbers and financial account numbers in court records. 
- Gramm-Leach-Bliley Act, 15 U.S.C. 68016809 requiring financial institutions to safeguard-consumer information. 
- Fla. Stat. 559.72 ( 5 ) prohibiting disclosure of information about a debt to third parties without consent. 
Furthermore, publishing information belonging not only to myself but also potentially to other third parties exposes you to liability for unauthorized dissemination of private data. I demand immediate removal and redaction of all such information from public records, and written confirmation of corrective measures.

6. Credit Reporting You admit to instructing the credit reporting agencies to delete these tradelines. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( FCRA ), once a tradeline is deleted, it can not be reinserted unless the furnisher certifies the informations completeness and accuracy and provides me written notice within five business days. 
Any reinsertion without notice will be treated as a willful violation. 
Demand for Action Accordingly, I dispute the validity of these alleged debts in their entirety. Unless you can provide the original agreements, full account histories, and complete chain of custody, you must cease and desist from all collection activities. 
Failure to comply will result in formal complaints to the Florida Attorney General, CFPB, FTC, and Florida Office of Financial Regulation, and I reserve the right to pursue civil remedies under the FDCPA ( 15 U.S.C. 1692k ) and FCCPA ( Fla. Stat. 559.77 ). 
Sincerely Please note letter inserted below which has also been sent via certified mail : Midland Credit Management , Inc . 
Attn : Compliance Department XXXX. XXXX XXXX XXXX XXXX, CA XXXX NOTICE OF INTENT TO SUE To Whom It May Concern : This Notice of Intent to Sue is issued due to Midland Credit Managements ongoing violations of federal law and its failure to respond to written demands dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Your company has engaged in : - Repeated telephone harassment ( FDCPA 1692d ).

- Unlawful disclosure of personal information to third parties ( FDCPA 1692c ( b ) ). - Failure to redact personal identifiers in public court records ( FCRA and state privacy protections ).

Unless Midland dismisses the pending court case with prejudice and remedies these violations within 10 business days, I will : - File lawsuits in state and federal court for violations of the FDCPA, FCRA, and state laws. 
- Seek statutory damages, actual damages, punitive damages, attorneys fees, and sanctions.- File complaints with the CFPB, FTC, and State Attorney General. 
This Notice is your final opportunity to resolve voluntarily. Failure to act will result in immediate litigation. 
Sincerely

Company response to consumer: Closed with explanation