Consumer complaint received 2026-01-21 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: MA

Complaint narrative:
FORMAL NOTICE OF DISPUTE MASSACHUSETTS REGULATORY NONCOMPLIANCE SECURITIZATION & OWNERSHIP CHALLENGE Consumer : XXXX XXXX Debt Buyer / Furnisher : Midland Credit Management Partial Account Number : XXXX Original Creditor ( as reported ) : XXXX XXXX Account Type : Debt Buyer / Collection Account NOTICE OF DISPUTE I dispute the above-referenced account in its entirety. 
I do not acknowledge any liability, obligation, or contractual relationship with the named furnisher. 

The account is identified by the partial account number you furnished to consumer reporting agencies, which is sufficient for investigation and response. 



I. MASSACHUSETTS REGULATORY & LICENSING COMPLIANCE 1. Lawful Authority & Licensing Under M.G.L. ch. 93, 2428, 209 CMR 18.00, and 940 CMR 7.00, any entity engaging in debt collection activity in Massachusetts must be properly licensed and possess lawful authority and standing to collect and report the alleged debt. 
2. Prohibition on Misrepresentation Misrepresenting the ownership, legal status, or enforceability of a debt constitutes an unfair or deceptive act under M.G.L. ch. 93, 49 and ch. 93A. 
3. Proof of Ownership Requirement Absent admissible, account-level proof of assignment and chain of title, continued collection or reporting constitutes unauthorized collection activity under Massachusetts law .

4. Communication Restrictions All communications regarding this matter must be in writing only. Telephone contact is not authorized. 



II. SECURITIZATION, TRUE SALE & OWNERSHIP DISCLOSURE 1. Securitization / Sale Inquiry State clearly whether the account identified above was ever sold, assigned, transferred, included in a forward-flow agreement, conveyed through a true sale, or placed into any trust or securitization vehicle.

2. Required Disclosure if Sold or Securitized If the account was sold or securitized at any time, provide account-level documentation identifying : The trust, pool, or asset vehicle Date of conveyance Depositor, trustee, and servicer Applicable SEC or regulatory filings Asset schedules identifying this specific account If the account was never securitized or sold, provide a sworn statement affirming that fact. 
3. True Sale & Standing If the account was conveyed through a true sale or securitization, any retained servicing rights do not confer ownership. Continued reporting or collection without lawful reacquisition constitutes lack of standing and misrepresentation.

4. Freedom of Information Act ( FOIA ) Notice To the extent ownership or authority relies on federally regulated filings, public disclosures, or securitization records, this notice constitutes a request for disclosure under the Freedom of Information Act for any records referencing this account. 



III. EVIDENTIARY REQUIREMENTS Any claim of ownership or authority must be supported by evidence compliant with : Federal Rule of Evidence 602 ( personal knowledge ) Federal Rule of Evidence 803 ( 6 ) ( business records exception ) Affidavits or statements from entities lacking first-hand knowledge of the original creditors books, transfers, or securitization events are insufficient.

Company response to consumer: Closed with explanation