Consumer complaint received 2026-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Demand for Legal Proof of Debt Ownership and Securi : XXXX : on Status No : XXXX of Intent to Seek Damages To : Midland Credit Management XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Demand for Proof of Ownership, Chain of Title, and Securitization Disclosure Midland Credit Management To Whom It May Concern, This correspondence serves as a formal demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ), and relevant provisions of the Uniform Commercial Code ( UCC ), for full legal validation of the alleged debt your company claims to collect Account # XXXXXXXX XXXX XXXX XXXX. You are further notified that failure to provide such proof constitutes a material violation of federal law and may subject your agency to civil liability.

I hereby demand the following : 1. A complete and unbroken chain of title showing legal ownership and assignment of the alleged debt from the original creditor to your entity.

2. A copy of the original signed agreement bearing my wet-ink signature, establishing a legal obligation.

3. Proof that your company has standing to collect and is registered and licensed to operate in the state of Arizona.

4. Disclosure of whether this alleged debt has been securitized, bundled, sold, or otherwise monetized through any trust, SPV, or asset-backed security transaction. If so, provide full documentation.

As you are aware, any debt that has been securitized or sold to investors is no longer a collectible receivable under contract law, and no " inancial obligation remains on the part of the alleged debtor. Attempting to collect such a debt without legal standing constitutes attempted fraud and misrepresentation in commerce.

If you can not prove that the debt is legally yours to collect, has not been securitized, and is supported by an enforceable original agreement, you are ordered to cease all collection activity immediately. Any continued contact, reporting, or harassment will be documented as willful noncompliance and bad faith action under 15 U.S. Code 1692k.

I further reserve the right to seek statutory damages of up to {$1000.00} per violation, plus punitive damages and attorneys fees for harassment, attempted fraud, and violation of my consumer rights.

This demand must be responded to in writing within 30 calendar days. Failure to comply will trigger immediate complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), Arizona Attorney General, and applicable licensing boards.

This Demand letter was sent XX/XX/year> I have recently sent a FINAL Letter before going to litigation see below To : Midland Credit Management , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Failure to Provide Validation of Alleged Debt Cease & Desist Demand To Whom It May Concern, On XX/XX/year>, I sent your company a written request for validation of an alleged debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). Delivery was confirmed, yet to date you have failed to provide any lawful validation or documentation establishing ownership of the alleged account.

Instead, you have either remained silent or continued to send account statements that do not constitute proper validation under federal law. Each such communication represents continued collection activity on an unvalidated debt and is a clear violation of the FDCPA and FCRA.

1. Violations Cited - FDCPA 809 ( b ) : Failure to cease collection activity until validation is provided.

- FDCPA 807 ( 8 ) : False representation of the legal status of the alleged debt.

- FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known or that should be known to be inaccurate.

2. Demand for Immediate Action You are hereby given seven ( 7 ) calendar days from receipt of this notice to do the following : 1. Provide complete and lawful validation of the alleged debt, including the original signed contract, chain of title, and itemized account statement ; or 2. Immediately cease all collection activity, including calls, letters, and credit reporting ; and 3. Delete any tradeline or reference to this alleged debt from XXXX, XXXX, and XXXX. 
Failure to comply will result in formal complaints being biled with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Arizona Attorney Generals Office, as well as the initiation of a civil action seeking statutory, actual, and punitive damages under 15 U.S.C. 1692k, 1681n, and 1681o.

3. Preservation of Evidence You are instructed to preserve all records, electronic communications, account data, and collection activity logs relating to this alleged debt for use in any forthcoming legal proceedings.

Company response to consumer: Closed with explanation