Consumer complaint received 2025-07-12 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: SC

Complaint narrative:
To Whom It May Concern : I am writing to formally request validation and verification of the alleged debt you claim I owe, as required under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the S.C Consumer Collection Practices Act ( FCCPA ), Florida Statutes 559. 

Please provide me with the following documentation : XXXX. The name and address of the original creditor. 
XXXX. A complete breakdown of the amount claimed, including principal, interest, fees, and other charges. 
XXXX. Proof that you are legally authorized to collect this debt, including a copy of any agreement or assignment from the original creditor. 
XXXX. A copy of the original signed contract or agreement that created the debt ( if applicable ). 
XXXX. Verification that the debt has not passed the statute of limitations for collection in the state of Florida. 

Be advised that until you provide this documentation, you must cease all collection activities, including reporting this debt to any credit reporting agencies, as required under both federal and Florida law. 

If you can not provide the requested information, I demand that you immediately delete this alleged debt from any and all consumer reporting agencies to which it has been reported and cease all further collection efforts. 

Please respond in writing to the address listed until validation Here is a Cease and Desist Letter specifically demanding that a debt collector stop reporting an alleged debt to the credit bureausbased on your rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), along with Florida Subject : Cease and Desist Prohibition of Credit Reporting Without Full Validation Reference : FDCPA ( 15 U.S.C. 1692g ), FCRA ( 15 U.S.C. 1681s-XXXX ), S.C Statute 559.72 To Whom It May Concern : I am writing in regard to an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request full validation of this debt. Additionally, under the Fair Credit Reporting Act ( FCRA ), you are prohibited from furnishing information to any consumer reporting agency that you knowor have reasonable cause to believeis inaccurate or unverifiable. 

This letter serves as your formal cease and desist notice. I demand the following : XXXX. Immediately cease and desist from reporting, furnishing, or verifying this alleged debt with any credit reporting agency ( Experian, Equifax, TransUnion ) until : You have provided me with complete debt validation, including : Name and address of the original creditor Proof of your legal authority to collect the debt Copy of any signed contract or original agreement Complete breakdown of the amount owed XXXX. If you have already reported this account to any credit bureau, I demand that you immediately remove or delete the entry as it is unvalidated and disputed. 
XXXX. Any further attempt to report, furnish, or verify this alleged debt with the credit bureaus without proper validation will constitute willful violation of federal law ( FDCPA and FCRA ) and Florida Consumer Collection Practices Act ( FCCPA ), which may subject your agency to penalties, actual damages, statutory damages, and attorneys fees. 

If you fail to comply, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and S C Attorney General, and pursue all legal remedies available under federal law

Company response to consumer: Closed with non-monetary relief