Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
NOTICE OF DISPUTE AND DEMAND FOR VALIDATION TO WHOM IT MAY CONCERN : This letter serves as my formal dispute of the above-referenced alleged debt and my demand for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and applicable state law. I am exercising my right to dispute this alleged debt within the 30-day validation period. 

I DISPUTE THIS DEBT IN ITS ENTIRETY. 

VALIDATION DEMANDS Under the FDCPA, you must provide complete validation before any further collection activity. You must provide the following documentation : 1. ORIGINAL CONTRACT DOCUMENTATION Complete original signed contract or credit agreement between me and the original creditor All terms and conditions that allegedly created this debt Original application with my signature ( not a copy or reconstruction ) Account statements showing the exact computation of the alleged balance 2. CHAIN OF TITLE DOCUMENTATION Complete assignment documentation showing the transfer of this specific debt from the original creditor to Midland Credit Management Bill of Sale that specifically identifies this individual debt ( not a portfolio purchase ) All intermediate assignments if this debt passed through multiple entities Corporate authorization for each entity to assign/sell this debt XXXX. SECURITIZATION INQUIRY Based on industry practice, I demand proof that this debt was not securitized : Certification that this debt was never sold to a trust Proof that the original creditor retained ownership at the time of alleged assignment to MCM Documentation showing how MCM can be the current owner if this debt was previously placed into a securitization trust Proof that no investor or trust has superior claim to this alleged debt 4. STANDING TO COLLECT Corporate documentation establishing MCM 's authority to collect this specific debt Power of attorney or servicing agreement if acting on behalf of another entity Proof of current ownership versus mere servicing rights Authorization from the true owner to pursue collection XXXX. ACCOUNT HISTORY Complete payment history from account opening to charge-off All debits and credits applied to the account Itemization of all fees and charges added to the principal balance Documentation of default and charge-off procedures followed 6. CREDIT REPORTING AUTHORITY Permissible purpose under the Fair Credit Reporting Act for accessing my credit report Authorization to report this debt to credit bureaus Proof of accuracy of all information reported LEGAL DEFENSES AND CHALLENGES SECURITIZATION DEFENSE If this debt originated with a major creditor, it was likely securitized ( sold to investors in a trust ). Once securitized, the original creditor no longer owns the debt and can not later sell it to debt buyers like MCM. This creates a fatal flaw in your ownership claim. 

You can not own what the original creditor no longer owns. 

LACK OF STANDING Debt buyers like MCM routinely purchase " accounts '' in bulk portfolios without proper assignment documentation. Generic Bills of Sale listing thousands of " accounts '' do not constitute valid assignment of specific individual debts. 

FDCPA VIOLATIONS Your collection efforts may violate the FDCPA if : You can not validate this debt as required You continue collection during the validation period You report to credit bureaus without proper authority You use false, deceptive, or misleading representations NOTICE REQUIREMENTS VALIDATION PERIOD : Under 15 U.S.C. 1692g ( b ), you must cease all collection activity until you provide proper validation. 

CREDIT REPORTING : You must immediately mark this account as " disputed '' on all credit reports and cease reporting until validation is complete. 

NO CONTACT : Do not contact me by phone. All communication must be in writing to the address above. 

CONSEQUENCES OF NON-COMPLIANCE Failure to properly validate this debt will result in : Complete defense to any legal action you may file Potential FDCPA lawsuit against MCM for statutory damages up to {$1000.00} plus attorney fees Credit reporting violations under the Fair Credit Reporting Act State law violations for unfair debt collection practices CONCLUSION I do not acknowledge owing this debt to Midland Credit Management or any other entity. Your ability to collect depends entirely on your ability to prove : This debt legally exists You have standing to collect it The amount claimed is accurate You own this debt ( not just service it ) Provide complete validation or cease all collection efforts immediately. 

This letter is sent in good faith to resolve this matter according to law. Keep a copy for your records as this may be used as evidence in any legal proceedings.

Company response to consumer: Closed with non-monetary relief