Consumer complaint received 2025-01-18 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: AR

Complaint narrative:
Dear Midland Credit Management, I am writing to address the alleged debt you are attempting to collect from me. Be advised that this communication is a formal notice of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c, and my demand for immediate compliance with federal consumer protection laws.

Let me be unequivocally clearthe collection accounts listed below that appear on my consumer report represent flagrant violations of my rights and will not be tolerated. I demand their immediate and unconditional removal. 
Account Number : XXXX Your company has failed to provide the information I previously requested, in direct contravention of legally binding regulations. Let me remind you : 15 U.S.C. 1681a ( 2 ) of the Fair Credit Reporting Act ( FCRA ) explicitly excludes from consumer reports any transactions or experiences between the consumer and the reporting entity unless authorized.

15 U.S.C. 6802 mandates that financial institutions must notify consumers in clear, conspicuous terms when disclosing nonpublic personal information to third parties, providing an opt-out mechanism. I have not received any such notice or provided consent. 


Further, I demand that you produce the following documentation as required by law : The amount of the debt you allege I owe. 
The name of the original creditor. 
A statement informing me of my right to dispute the debt within 30 days. 
Verification of the debt if I dispute it in writing. 
The name and address of the original creditor, if different from the current one. 
A statement confirming your obligation to cease communication upon written request. 
A signed contract or agreement that validates your authority to collect this debt. 
15 U.S.C. 1681b ( a ) ( 2 ) restricts consumer reporting agencies from furnishing a consumer report without written authorization. I have not, and will not, provide such authorization. Any negative information reported without my consent constitutes a severe violation.

Given these violations, your actions expose you to liability for damages under 15 U.S.C. 1681n. This provision allows me to seek statutory damages of {$1000.00} per infraction, as well as compensation for the harm caused by your noncompliance. 
Therefore, I demand : The immediate removal of the offending collection items. 
A written confirmation of their removal. 
An updated copy of my consumer report reflecting these corrections. 
You are further instructed to cease all communication with me, except to provide the specific information requested herein. Any attempt to contact me by phone, mail, or other means, outside of these parameters, will be construed as a willful violation of the FDCPA and pursued accordingly. 
This matter demands your prompt and serious attention. Delays or continued noncompliance will leave me no choice but to exercise my full rights under federal law, including legal action. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief