Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Midland Credit Management. Four unknown accounts listed. Various, partial and confusing account numbers. I'm unaware of these debts and did not have the opportunity to dispute this account.If you believe that you have sent proper notification please provide " certified mail '' with receipt displaying my signature. If not, please delete account as soon as possible from my reports or I will have to take legal action.

Debt Validation Request Under FDCPA 809 ( 15 U.S.C. 1692g ) DEMAND FOR PROOF OF ASSIGNMENT OF CONTRACT I am writing in response to your collection activity concerning the alleged account referenced below. This letter serves as a formal request for validation of the debt, as required by the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), 15 U.S.C. 1692g ( b ). 

Account in Question : XXXX XXXX XXXX XXXX XXXX Unknown XXXX XXXX XXXX XXXX XXXX Unknown XXXX XXXX XXXX XXXX XXXX Unknown Account unknown Four unknown accounts listed on my reports. 

Under the FDCPA and the Fair Credit Reporting Act ( FCRA ), you must provide sufficient evidence to validate this debt before any further collection activity can continue. Until proper validation is received, you must cease all collection efforts and refrain from reporting this debt to any credit bureau. If you have already reported it, you must mark the account as disputed during your investigation. 
Required Documentation for Validation : To meet the legal requirements of proper debt validation, you must provide : Proof of Ownership and Right to Collect A copy of the purchase/assignment agreement or contract granting your company the right to collect this debt. 


Full chain of title from the original creditor to your company. 


Original Contract/Application A copy of the original signed credit agreement or contract bearing my signature that allegedly created this debt. 


Complete Payment and Account History Itemized statements from the original creditor showing how the alleged balance was calculated, including principal, interest, fees, and any payments made.

Name and Address of the Original Creditor As required by FDCPA 809 ( a ).

Verification of Accuracy Documentation under oath ( affidavit, sworn statement ) verifying the accuracy of the alleged amount.

Proof This Debt Is Not Time-Barred Evidence that the debt is still within the applicable statute of limitations in my state. 


Licensing Information If applicable, provide proof of your authorization and licensing to collect in my state. 


Legal Notice : Under FDCPA 809 ( b ), you must cease all collection efforts until you provide the requested validation.

Any failure to provide adequate validation will be considered a violation of federal law.

Under 15 U.S.C. 1681s-2 ( FCRA ), if you report inaccurate or unverifiable information to credit bureaus, you are in violation of federal law. 


Any continued collection activity without proper validation, including reporting to credit bureaus, will be documented and will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals Office, as well as potential civil action under 15 U.S.C. 1692k, 1681n, and 1681o.

Please provide the above documentation to my address listed above within the statutory timeframe. Do not contact me by phone. All communications must be in writing. 
Thank you for your prompt compliance.

Company response to consumer: Closed with non-monetary relief