Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Demand for Chain of Assignment and Account-Level Documentation Under FCRA MIDLANDCRE - XXXXXXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam, I am writing to formally request the chain of assignment and all account-level documentation pertaining to the above-referenced account, which MIDLANDCRE - XXXX XXXX XXXX XXXX XXXX  is currently reporting on my credit file as a collection account with a balance of {$4800.00}, marked as past due. This request is made under the authority of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 1681g ( a ) ( 1 ), which grant consumers the right to request and receive documentation substantiating reported accounts, especially where the accuracy of the reporting is in question.

The FCRA imposes a duty on furnishers like MIDLANDCRE to ensure that information reported to consumer reporting agencies ( CRAs ) is accurate, complete, and verifiable. See 15 U.S.C. 1681s-2 ( b ) ; see also XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ). 

Under 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to receive all information in the consumers file, including the sources of the information, which encompasses the chain of assignment and documentation demonstrating that MIDLANDCRE has legal authority to collect and report this alleged debt.

To Date, I Have Not Received Adequate Documentation Including : The chain of assignment from the original creditor to MIDLANDCRE ; The original account agreement or contract signed by me ; A complete payment history with itemized charges, credits, and fees ; All legally required notices of assignment.

Without these, I am unable to verify whether MIDLANDCRE is lawfully reporting this debt or whether the reporting is accurate under the FCRA.

Demand for Documentation Within 30 days of receiving this letter, please provide the following : The full chain of assignment, including bills of sale and assignment agreements from the original creditor to MIDLANDCRE ; The original account agreement or signed contract that created the alleged obligation ; A comprehensive account ledger showing all activity ( payments, interest, fees ) from the accounts opening to the present ; Copies of all notices of assignment sent to me, in compliance with federal and state law ; Any other records in MIDLANDCREs possession that support the accuracy of the reported balance and status.

Failure to Comply If MIDLANDCRE fails to produce the requested information within the statutory timeframe, it may be in violation of the FCRA, subjecting it to : Actual damages, Statutory damages up to {$1000.00} per violation, Punitive damages, and Reasonable attorneys fees and costs ( 15 U.S.C. 1681n, 1681o ).

Furthermore, continued reporting of unverifiable or inaccurate information may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, which prohibits false or misleading representations in debt collection. See XXXX XXXX XXXX XXXX & XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ). 

Preservation of Evidence MIDLANDCRE is hereby instructed to preserve all documents, communications, internal notes, and digital records related to this account. Any destruction or alteration of such evidence may lead to sanctions for spoliation.

Response Instructions Please send all documentation and correspondence to the address provided above. If MIDLANDCRE does not comply with this request, I am prepared to take appropriate legal action to enforce my rights under the FCRA and other applicable laws. 

Govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief