Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Notice to file suit in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, I demand you remove the XXXX false accounts from my credit report. 
There is no signed contract with interest rates. 
Violations of federal law are listed below. 
1692f. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

LISTED BELOW ARE THE ACCOUNTS THAT DO NOT BELONG TO ME. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$1000.00} Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1700.00} Date opened : XX/XX/XXXX THERE IS NO SIGNED CONTRACT. 
You can not prove ownership in XXXX courts. 
This account belongs to another person. 
This account does not belong to me. I also dispute your ownership of the account. I need to see an original contract with interest rates agreed. I deny a contract exists. 
You have also violated the following federal laws and other XXXX laws : 1692e. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. 
( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 
( XXXX ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 

I am ready to fight any suit in XXXX general district court. The following laws in general district court over the account you are seeking for payment apply. 
The court needs the original contract. There is no contract. 
This account belongs to another person. 
I am ready for court, The following rules and laws apply in XXXX Courts over contracts : XXXX XXXX. Production of Written Agreement. When a suit is brought on a written contract, note or other instrument, the original document must be tendered to the court for entry of judgment thereon unless the production of the original is excused by the court for good cause or by statute. 
Rule XXXX REQUIREMENT OF PRODUCTION OF ORIGINAL To prove the content of writing, the original writing is required, except as otherwise provided in these Rules, other Rules of the XXXX XXXX XXXX XXXX, or in a XXXX statute. 
In other words, who owes the debt and who legally can collect the debt must be stated clearly in the documentary evidence. Random spreadsheets with numbers do not meet the burden of proving who owns the right to recover a debt. A bill of sale must contain all the information and attachments to authenticate the debt. At a minimum, the bill of sale must identify the debtor, and the amount of debt owed. The debt can not be authenticated if there is no information in the bill of sale that identifies the person or company regarding the details of the debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

For a debt based on a written contract, the best-evidence rule requires that where the contents of a writing are desired to be proved, the writing itself must be produced or its absence sufficiently accounted for before other evidence of its contents can be admitted. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX ) In sum, who asserts ownership of a debt by assignment must produce evidence, for each and every assignment, showing the chain of title for the debt passed from the original assignor to the plaintiff. At minimum, such evidence must show that the defendants account number, along with other relevant identifying information, was included in the assignment ( e.g., an attachment to a bill of sale listing account numbers and other identifying information that traces back to the bill of sale by affidavit ). If the claim is based on a written contract, the plaintiff must produce evidence that the defendant signed and dated that agreement or otherwise follow the lost document affidavit procedures at XXXX XXXX. If documentary evidence is unavailable for a given assignment, the plaintiff must produce, by witness testimony or an affidavit, evidence from a custodian of record or other qualified individual with personal knowledge that the defendants specific account was assigned. XXXX Rules of Evidence XXXX ; XXXX ( XXXX ) ; XXXX ( XXXX ). 



I am ready for court and will see your lawyers there. 
This account is disputed. 
This account belongs to another person. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have violated my rights, and I am filing suit in United States XXXX XXXX for the XXXX XXXX XXXX XXXX  against you.

Company response to consumer: Closed with explanation