Consumer complaint received 2025-03-19 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN # XXXX XX/XX/year> Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX Subject : Debt Validation Request Notice of Dispute Reference No. : XXXX Dear Midland Credit Management , I am writing to formally dispute the alleged debt you claim I owe, as referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681-1681x, I am requesting a full validation of this debt. According to the law, you are required to provide proper verification before pursuing collection or reporting negative information to the credit bureaus. 

Debt Validation Requirements Pursuant to 15 U.S.C. 1692g and 15 U.S.C. 1681s-2, you must provide the following information : Proof of Ownership : The original signed contract or agreement bearing my signature, demonstrating my legal obligation to this debt.

Itemized Accounting : A detailed breakdown of how the balance was calculated, including principal, interest, and fees.

Chain of Custody : Documentation showing how you obtained this debt from the original creditor, including a Bill of Sale and Assignment.

Proof of Licensing : Evidence that Midland Credit Management is legally authorized to collect debts in my state, including your collection agency license number. 
Original Creditor Information : The name, address, and account details of the original creditor, as required under 15 U.S.C. 1692g ( a ) ( 2 ).

Affidavit of Authenticity : A sworn statement confirming the validity and accuracy of the alleged debt. 
Fair Credit Reporting Act Violations I also remind you that : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits furnishing inaccurate or unverifiable information to credit bureaus.
15 U.S.C. 1681b ( f ) prevents unauthorized access to my credit report without a permissible purpose.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) requires reinvestigation of disputed information within 30 days.

15 U.S.C. 1681e ( b ) mandates accuracy in reporting, and any failure to validate must result in deletion.

15 U.S.C. 1681n & 1681o allow me to seek damages for willful or negligent noncompliance. 
Cease Collection Activity Until Validated Until you fully comply with my request, per 15 U.S.C. 1692g ( b ), you must cease all collection efforts, including reporting this debt to the credit bureaus. If you fail to provide adequate validation within 30 days, I will take legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

If this debt is inaccurate, incomplete, or unverified, I demand its immediate removal from all credit reporting agencies. 

Notice of Intent to Litigate If you continue attempting to collect or report this unverifiable debt, I reserve the right to pursue legal action under 15 U.S.C. 1681n for willful noncompliance, which includes statutory damages, actual damages, attorney fees, and punitive damages.

You have 30 days to respond from the date of this letter. Failure to do so will result in further actions to protect my consumer rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief