Consumer complaint received 2025-04-29 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: CT

Complaint narrative:
Subject : Urgent Follow-Up Demand to Prevent Credit Reporting of Disputed Debt by Midland Credit Management Complaint ID XXXX XXXX To Whom It May Concern : I am writing in follow-up to my formal complaint submitted against Midland Credit Management through the Consumer Financial Protection Bureau ( CFPB ) , referenced by the above complaint ID. While the company issued a last-minute response, it failed to provide full and proper validation of the alleged debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Additionally, I previously disputed this same alleged debt directly with the credit bureaus when it was reported by the original creditor. After investigation, it was removed from my credit report indicating that the debt was either inaccurate, unverifiable, or both. 
Midland Credit Management 's attempt to collect and potentially report this same unvalidated and previously removed debt raises serious concerns under the Fair Credit Reporting Act ( FCRA ). Any re-reporting of this debt would constitute willful disregard of federal consumer protection laws. 
The so-called verification was incomplete and did not include any of the following documentation which I explicitly requested : 1. The name and address of both the original and current creditor.

2. Verification of the debt amount being collected, including evidence that a valid contract exists creating the alleged obligation.

3. Full chain of assignments, showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

As none of these items were provided, I maintain that this debt is unvalidated, not legally enforceable, and remains in formal dispute under federal law. 
Let this serve as formal notice that if Midland Credit Management reports this alleged debt to any credit reporting agency, such action would constitute : * A violation of the FDCPA, for reporting a disputed debt without full validation; * A violation of the Fair Credit Reporting Act ( FCRA ), for furnishing inaccurate or unverifiable information; * And potential grounds for legal action, including statutory damages, injunctive relief, and recovery of attorneys fees. 
I am requesting that the CFPB intervene to ensure that no credit reporting occurs regarding this disputed debt unless and until full legal validation is provided, as outlined above. 
I also demand written confirmation that this debt will not be reported to any credit bureau under any circumstances unless all required validation has first been satisfied. 
Please append this communication to my original CFPB complaint and notify Midland Credit Management of their continued obligations under federal law. 
Cease and Desist Reminder : I also reiterate that a formal cease and desist remains in effect. Midland Credit Management is not authorized to contact me except as specifically permitted by law. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : ( XXXX ) XXXX

Company response to consumer: Closed with explanation