Consumer complaint received 2024-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Complaint Regarding Collection Agency Violations Dear Sir/Madam, I am writing to file a formal complaint against MIDLAND CREDIT for federal consumer protection law violations . Specifically, I believe the collection agency has failed to comply with several provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) and regulations under the Consumer Financial Protection Bureau ( CFPB ).

Violation 1 : Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) I recently discovered that MIDLAND CREDIT has reported a collection account on my credit report without first validating the debt. Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is obligated to provide me with sufficient information to verify the debt. However, I have not received any such validation from them. This lack of validation is a violation of my rights as a consumer. 
Violation 2 : Failure to Allow Dispute Under 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Furthermore, the collection agency has not provided me with an opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). I have not been informed of my right to dispute the accuracy or validity of the debt, which is a clear violation of my legal rights under this regulation. 
Violation XXXX : False, Misleading, and Deceptive Practices Additionally, I believe MIDLAND CREDIT has engaged in false, misleading, and deceptive practices, in violation of the FDCPA. By reporting an account without providing proper validation and failing to disclose my right to dispute the debt, they have misrepresented the nature of the debt and the associated risks to my credit. 
Violation 4 : Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) ) Lastly, I am aware that the collection agency violates 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) as they have furnished this collection account to a consumer reporting agency without providing the disclosures required by law. The lack of required validation and notices has resulted in an improper reporting of this account, which should not have been placed in my credit report without proper compliance with the law. 

I am also requesting the purchase order agreement between MIDLAND CREDIT and the original creditor. 
Request for Resolution I request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that MIDLAND CREDIT is held accountable for its violations. I also ask that they be directed to provide the required validation information, cease further collection activity until proper disclosures are made, and remove any inaccurate information from my credit report. 
Thank you for your attention to this matter. Please confirm receipt of this complaint and provide some updates on the investigation. 
Sincerely, XXXX XXXX XX/XX/XXXX XXXX ________________________________________

Company response to consumer: Closed with non-monetary relief