Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Dispute & Request for Forward Flow Agreement- Emailed XX/XX/year> I am writing to formally dispute the collection account referenced below and to request documentation regarding its validity Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of this debt, including a copy of the original agreement with the creditor. Additionally, I request a copy of the XXXX XXXX XXXX governing the sale or transfer of this debt to your agency, as I need to verify the chain of ownership and the legitimacy of your claim. 
If you are unable to provide the requested documentation, including the XXXX XXXX XXXX, please cease all collection efforts and remove this account from my credit report. If this debt is verified, please provide all supporting documents, including a detailed breakdown of the balance, payment history, and any contractual terms that apply. 
Please consider this letter a request for validation under 15 U.S.C. 1692g of the FDCPA. Until I receive adequate verification, I dispute this debt in its entirety. Additionally, all further communication regarding this matter should be in writing.

I expect your response within 30 days of receiving this letter. Failure to provide sufficient documentation may result in further action to protect my rights. 
Sincerely, XXXX XXXX Received confirmation from company that they received web dispute on XX/XX/year> XXXX XXXX, This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply. 

We have received your inquiry with the following information : Name : XXXX XXXX Last 4 of SSN : XXXX Email Address : XXXX Address : XXXX XXXX XXXX XXXX XXXX City : XXXX XXXX Zip Code : XXXX State : XXXX  Type : Cease and Desist Removal Description : Dispute & Request for Forward Flow Agreement I am writing to formally dispute the collection account referenced below and to request documentation regarding its validity. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide verification of this debt, including a copy of the original agreement with the creditor. Additionally, I request a copy of the XXXX XXXX XXXX governing the sale or transfer of this debt to your agency, as I need to verify the chain of ownership and the legitimacy of your claim. 
If you are unable to provide the requested documentation, including the XXXX XXXX XXXX, please cease all collection efforts and remove this account from my credit report. If this debt is verified, please provide all supporting documents, including a detailed breakdown of the balance, payment history, and any contractual terms that apply. 
Please consider this letter a request for validation under 15 U.S.C. 1692g of the FDCPA. Until I receive adequate verification, I dispute this debt in its entirety. Additionally, all further communication regarding this matter should be in writing.

I expect your response within 30 days of receiving this letter. Failure to provide sufficient documentation may result in further action to protect my rights. 

Sincerely, XXXX XXXX According to the form that you filled out, you have authorized MCM to send you emails. 

Thank you, Midland Credit Management This communication is from a debt collector. 
Consumer Support Services Case Number : XXXX I then received an email on XX/XX/year> : Dear XXXX, Take the first step to resolve your XXXX XXXX XXXX XXXX, account with a balance of {$710.00}. Midland Credit Management XXXX XXXX ( MCM ) has helped over XXXX XXXX consumers resolve past due debts and we have offers available to resolve your debt. 


Take the offer Lets do this together. You can take care of this debt by making a single payment or setting up a payment plan. 

XXXX XXXX Division Manager I have not been provided any of the requested documentatuion and The company has also been repeatedly calling my phone after I clearly stated that I want all communication in writing.

Company response to consumer: Closed with non-monetary relief