Consumer complaint received 2025-01-31 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Midland Credit Management LLC XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX XX/XX/scrub>XXXX XXXX  Debt Validation & Chain of Assignment Letter Request Re : Acct # Unknown Amount is dispute ; {$1700.00} Dear : Midland Credit Management LLC, I am reaching out to you about the debt you are trying to collect. You contact me by phone on XXXX XXXX. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act, 15 USC XXXX Sec. 809 ( a ) and ( b ) which states that you must supply the following Information : Information About the Debt and About the Creditor and Chain of Assignment Within XXXX days after the initial communication with a consumer in connection with the collection of Any debt, a debt collector shall, unless the following information is contained in the initial communication Or the consumer has paid the debt, send the consumer a written notice containing : The amount of the debt ; The name of the creditor to whom the debt is owed ; A statement that unless the consumer, within XXXX days after receipt of the notice, disputed the validity of the debt, or any portion thereof, the debt will be assumed to valid by the debt collector ; A statement that if the consumer notifies the debt collector in writing within the XXXX  day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and A statement that, upon the consumers written request within the XXXX day period, the debt collector will provide the consumer with the name and address of the original creditor, if Law Offices of XXXX & XXXXXXXX XXXX XXXX XXXX different from the current creditor. 

Information About the Amount and the Age of the Debt You must provide a complete accounting of the debt you claim I owe within XXXX  days of your receipt of this letter. This proof must include, and is not limited to : The complete and signed contract for the debt obligation which is the subject matter of this dispute ; An itemized breakdown of what you claim the money is owed for ; Explain and show me how you calculated the amount in dispute ; Proved me with copies of any documents, ledgers, spreadsheets, etc., that show that I agreed to pay the amount you claim that I owe ; Identify the original creditor ; Identify and accurately describe an third-party costs for which you are charging me, and that you have included in the disputed amount along with a complete itemization of all such charge ; and Provide me with an affidavit that the Statue of Limitations has not expired on this account ; as your company continues to change the reporting date from your original filing date on my credit reports on numerous occasions. 

Information about your Authority to Collect This Debt Whether your firm has a debt collection license in my state. If not, explain why. If so, provide debt collection license from the location, including the license number and the contact information of the agency that issued the license ; and Whether you are contacting me from a location outside of my state and whether you have a debt collection license from that location, including the license number and the contact information of the agency that issued the license. 

I further dispute the debt and involve my rights under the FDCPA and any other applicable state Laws. 

I request that you suspend all collection activities and that your agency provide me with clear and convincing evidence that I have a legal obligation to pay you and/or the original creditor for the amount in dispute. 

Please note ; If you have reported invalidated and inaccurate information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX, XXXX ), or any other Credit reporting agencies, said action might constitute fraud and Disparagement of credit under both Federal and State Laws, Accordingly, if any invalidated or Law Offices of XXXX & XXXXXXXX XXXX XXXX XXXX Inaccurate negative mark is found on any of my credit reports by you ( or the third parties that you represent ), demand is hereby made to remove such negative marks while this debt is being disputed. 

Please respond to this request within XXXX  days of the date of this letter. I need a response from you To make an informed decision about the alleged debt. 

Sincerely, ______________________ ______________ XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief