Consumer complaint received 2024-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I received a collection of debt letter from Midland Credit Management for the amount of XXXX XXXX In my response I sent a cease and desist letter asking for verification of these items and stating : a request for VALIDATION made pursuant to the above - named Title and Section. I respectfully request that your offices provide me with competent evidence that I have a legal obligation to pay you DEMAND : I hereby DEMAND that you provide me with the following verified ( sworn to by affidavit ) documentary evidence in substantiation of your alleged debt claim. 1. CERTIFICATION OF AUTHORITY : Please provide ( a ) : verified certificate of authority, or fictitious/assumed name certificate from the State of _________ authorizing your firm, Company Name to transact business in the State of ______. ( b ) : your license number ( s ) and Registered Agent. 2. AUTHORIZATION CONTRACT : Please send me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above alleged account, and na ming you as an authorized collection agent/claims adjuster. 3. AFFIDAVIT OF CLAIM : Please send me a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified officer employee, or agent, hereinafter Affiant, stating that : a. ) said creditor is the HOLDER IN DUE COURSE of the above referenced account. b. ) Affiant is authorized to ASSERT A CLAIM on behalf of the alleged original Creditor. c. ) Affiant has PERSONAL FIRST HAND KNOWLEDGE regarding the fact of the alleged account and is the original CUSTODIAN of the books of entry, or directly supervises said original CUSTODIAN of the records. 4. ORIGINAL CONTRACT : Please send me a verified copy both FRONT and BACK of the alleged ORIGINAL contract/agreement/promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and com plete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged original creditor who states that he/she has PERSONAL FIRST HAND KNOWLEDGE that said front and back verified copy is that of the origin al alleged contract/agreement/promissory note. 5. COMPLETE BOOKEEPING ENTRIES : Please provide the original account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect has not been paid, accompanied by a commercial affidavit by the original CUSTODIAN of the books and records sworn to be true, correct, and complete, upon his or her commercial liability. 6. Please verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original alleged creditor. 7. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so - called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 8. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non transferable. Texas. Texas Midland Credit Management 9. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt may constitute MAIL FRAUD and a complaint will be filed with the U.S. Postal Inspection Service and the F.T.C. pursuant to applicable law and any litigation that ensues will name you in your personal capacity as defendant. 
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment.

Company response to consumer: Closed with non-monetary relief