Consumer complaint received 2026-03-02 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: TX

Complaint narrative:
This letter serves as a formal CEASE AND DESIST and DEMAND FOR DEBT VALIDATION pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). You are hereby ordered to CEASE AND DESIST all forms of communication with me, my family members, third parties, or my place of employment regarding the alleged debt referenced above, except as permitted by federal law to provide validation or notice of specific legal action. You are currently in potential violation of federal law by continuing collection efforts and/or reporting this account to credit reporting agencies without first substantiating your legal right to collect and the accuracy of the information furnished. If you can not demonstrate full ownership or lawful assignment of this alleged debt, any continued reporting or collection activity may constitute the furnishing of inaccurate or unverifiable information in violation of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ). I am formally demanding that you provide the following documentation within XXXX calendar days from the date of this letter : XXXX. The original signed contract, application, or agreement bearing my signature showing my legal obligation for this debt. XXXX. The complete chain of title/assignment history of the alleged debt, including all transfers, dates, and entities from the original creditor to your agency. XXXX. A copy of the bill of sale or purchase agreement demonstrating that your organization has legal ownership and the right to collect this specific account. The name and address of the original creditor, the original account number, and the date the debt allegedly incurred. XXXX. An itemized accounting of the alleged balance, including principal, interest, fees, and charges. XXXX. Your debt collector license number and state ( s ) in which you are licensed to collect. XXXX. Until such validation is provided, you must cease all collection activity, including phone calls, letters, emails, text messages, and credit bureau reporting related to this account. If you are unable to produce the above documentation in full, you are legally required to immediately remove this account from all consumer reporting agencies and cease any collection efforts. Further, if you do not legally own the debt, I demand that you return the account to the original creditor and permanently cease any further action on this matter. Be advised that continued failure to validate, coupled with continued furnishing of false information to credit bureaus, constitutes willful noncompliance under 15 U.S.C. 168In and is subject to actual, statutory, and punitive damages, as well as attorney fees and court costs. I am documenting all violations and reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my state attorney general 's office, and seek relief through litigation if necessary. Let this serve as your final warning. Failure to comply within XXXX calendar days will result in further legal action.

Company response to consumer: Closed with explanation