Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have received your letter dated XX/XX/XXXX and a random statement that shows another amount that further shows the illegitimate nature of the information given from your office. There was also no mention of how you will address the complaint of your office violating the FDCPA in contacting multiple times and giving my personal information to persons other than myself. 
I have NOT received a validation response to my request for verification of the debt. You have not sent me designation or proof of ownership of the debt or identification of the original creditor and subsequent assignees of the debt. As you know under 15 U.S.C. 1692g ( a ) the CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) increased the requirements of a debt collectors validation response to the following : Name and mailing information of the debt collector ; Name of the creditor to whom the debt is owed ; and Account number ( if any ) associated with the debt ; and An itemization of the current amount of the debt that reflects the interest, fees, payments, and credits from a particular date that you may be able to recognize or verify with records ; and The current amount of the debt as of when the validation notice is provided. 
None of the above were provided to me as requested in my previous letter. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR, VERIFICATION OF THE DEBT WITH ORIGINAL CONTRACT FROM THE ORIGINAL CREDITOR WITH MY SIGNATURE, AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE DEBT ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR, PLEASE INCLUDE THE ORIGINAL PURCHASE AGREEMENT THAT SHOWS YOU ARE THE OWNER OF THIS ALLEGED DEBT, ALSO INCLUDE THE TERMS AND CONDITIONS THAT ARE INCLUDED IN THIS PURCHASE AGREEMENT. 

PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
FEDERAL LAW : Pursuant to XXXX XXXX XXXX, XXXX, XXXX & XXXX, XXXX, XXXX, XXXX XXXX XXXX ( XXXX Circuit XX/XX/XXXX ) and XXXX U.S.C. XXXX ( b ), you are required to cease and desist from collecting upon the debt ( including contacting a debtors credit ) until you properly validate and verify the debt and the debt amount. 
Please do not look at my credit report or report anything to my credit. I dispute I owe this debt to you and that dispute should be stated on my credit report if you have already reported this debt. Do not contact my credit report. I am also requesting that any and all further communication be done via certified mail to insure that I receive any correspondence timely. 

Please State why you have a permissible purpose to contact my credit. Please note that I dispute this debt. 

Thank you for your immediate cooperation.

Company response to consumer: Closed with non-monetary relief