Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Demand for Validation and Notice of Estoppel by Silence Original Creditor : XXXX XXXX XXXX XXXX XXXX Account Ending in XXXX Midland Account Number XXXX XXXXXXXX To Whom It May Concern, This is a formal notice and follow-up to my previous dispute regarding the alleged debt you claim I owe. You have failed to provide full validation as required by law. Your continued silence and collection activity constitute an agreement by estoppel and a violation of federal consumer protection laws. 

Please take notice that the alleged account, originally with XXXX XXXX XXXX, XXXX. ( Acct # XXXX ), has been charged off and sold or assigned to your agency, Midland Credit Management ( Acct # XXXX ). You are required by law to provide full and complete validation of this debt prior to any further collection activity.

Required Validation Documents : 1. A signed copy of the original contract or agreement bearing my signature.

2. Documentation of chain of assignment or sale, showing your legal right to collect this debt. 3. Proof the debt was not discharged, securitized, or otherwise settled. 4. A full payment history and accounting breakdown from the original creditor. If the alleged debt was securitized ( sold into a trust or investment instrument ), under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq., and the Fair Credit Billing Act ( FCBA ), you must disclose that this debt has been satisfied through insurance, settlement, or investor payments. The Uniform Commercial Code ( UCC 3-501 ) also protects consumers from unauthorized enforcement of financial instruments without a valid claim or contract. Applicable Consumer Protection Laws and Codes : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p o 1692g ( b ) : Must cease collection until debt is validated o 1692d : Prohibits harassment, including daily calls o 1692c ( c ) : Must honor request for written communication only Truth in Lending Act ( TILA ), 15 U.S.C. 1601 et seq. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. o You may not report unverifiable or inaccurate information to credit bureaus Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 68016827 o Protects consumer privacy and requires transparency in the handling of financial data Uniform Commercial Code ( UCC ) 3-501, 9-210 o Demands for verification and proof of authority to enforce security instruments Texas Debt Collection Act ( if applicable ) Texas Finance Code 392.001392.404 Final Notice You are hereby ordered to cease all phone contact immediately and to communicate only via written mail after full validation is provided. Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trad
e Commission ( FTC ), Texas Attorney General, and potentially civil legal action for statutory and punitive damages.

This letter serves as my final communication on this matter unless and until full, legal validation is delivered.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief