Consumer complaint received 2025-11-06 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:
Midland Credit Management XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/scrub>XXXX XXXX XXXX FDCPA Debt Validation & Cease-Communication Notice Alleged Account : XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX ) To Whom It May Concern : I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c. I dispute the above-referenced alleged debt in its entirety and request that you provide full validation. Until you provide complete validation, you must cease all collection activity regarding this account. 
Please provide the following : XXXX. Assignment/Ownership The full chain of assignment from the original creditor to Midland Credit Management XXXX including the names of each assignor/assignee, dates of transfer, and consideration. 
The bill ( XXXX ) of sale and/or purchase agreements with identifying data that ties my specific account ( name, last XXXX of XXXX if used, account number, and balance at sale ) to each transfer. 

XXXX. Account-Level Documentation A legible copy of the signed contract or application creating the account. 
Complete monthly statements ( or an account history ) from account opening through charge-off, showing all transactions, fees, interest, and credits. 
Charge-off documentation from the original creditor, including the charge-off date and the balance at charge-off. 
A current, itemized breakdown showing how the present balance was calculated, identifying all interest, fees, and other add-ons since charge-off ( amounts, dates, and contractual or statutory basis ). 
XXXX. Authority to Collect in XXXX  Proof that Midland Credit Management ( and any servicer or affiliate collecting on its behalf ) is properly licensed and bonded to collect consumer debts in the State of XXXX, including license numbers, issuing authority, and bond information in effect during all periods of collection on this account. 
XXXX Credit Reporting If you are furnishing information about this account to any consumer reporting agency, please update the tradeline to reflect this dispute. If you can not validate, please delete the tradeline and provide written confirmation of that deletion. 

Cease-Communication : Under 15 U.S.C. 1692c ( c ), I request that you cease all communication with me about this account, except to ( a ) provide the validation requested above in writing, ( b ) notify me of specific remedies you intend to invoke, or ( c ) confirm that collection efforts are terminated. 

Timing Note : While the FDCPA requires you to cease collection until validation is mailed, I request that you mail the complete validation within 30 days of receipt of this letter. If you can not validate, please confirm in writing that you have closed your file and instructed any credit bureaus ( XXXX XXXX and/or XXXX  ) XXXX remove the tradeline. 

This letter is not a refusal to pay ; it is a request for information and validation as provided by law. Preserve all documents, data, and recordings related to this account. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief