Consumer complaint received 2025-02-15 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: GA

Complaint narrative:
XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX RE : Debt Validation Request and Cease and Desist Notice Account Number : # XXXX Dear Midland Credit Management , I am writing in response to your recent communication regarding an alleged debt under the above-referenced account. I request that you validate this debt as required by the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 U.S.C. 1692g, within the 30-day timeframe as stipulated by law. This debt is not mine, and I am requesting that it be removed from my credit file as soon as possible. Please consider this letter a formal request for validation of the debt, as required by the FCRA. If the account can not be properly verified within the legal timeframe, it must be deleted from my credit report immediately. Additionally, I demand that all collection activities related to this account cease and desist immediately, as I do not owe this debt. Continuing to report inaccurate information or attempt collection may constitute a violation of federal law. Debt Validation Request : I request that you provide me with the following information to validate the debt : 1. Itemized breakdown of the debt. ( The original creditors name and contact information and proof that the amount claimed is accurate and lawful. ) 2. Proof of debt ownership ( a copy of the original credit agreement or contract that establishes the debt and documentation showing the chain of custody if the debt was sold to a collection agency ) 3. The name of the creditor to whom the debt is allegedly owed. 4. A copy of the original purchase agreement or contract bearing my signature and the signature of all other parties involved, which acknowledges my obligation to repay the alleged debt. 5. A full accounting history of the debt ( including principal, interest, fees, etc. ) and an itemization list of the charges leading to the current balance. 6. The documentation that shows the Collectors authority to collect this debt ( i.e., proof that you are authorized to collect on behalf of the original creditor or any subsequent assignees and licensing information required by state laws ). 7. Documentation showing any insurance claim found or change of title on this debt ( i.e., proof that you are authorized to collect on behalf of the original creditor or any subsequent assignees ). Until this information is provided, I do not acknowledge any liability for the alleged debt, and I request that you cease any further collection activity until proper validation has been provided. Cease and Desist : Furthermore, If you fail to provide proper validation within 30 days, you must cease collection efforts. I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney Generals office, and any other relevant authorities. If you have a legal obligation to continue communication, please limit your contact to the provision of the required validation and documentation as outlined above. Please note, under the FDCPA, you are required to provide the requested validation within 30 days from the date you receive this letter. Failure to comply with this request will result in a report to the relevant authorities, including potential legal action. Please send all correspondence to the address listed above. I also request that any information sent be in writing and not through phone calls. Thank you for your attention to this matter. I look forward to receiving the requested information.

Company response to consumer: Closed with explanation