Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
SYSTEMATIC WILLFUL FDCPA VIOLATIONS : XXXX DAYS OF CEASE & DESIST NON-COMPLIANCE On XX/XX/year>, I sent Midland Credit Management XXXX comprehensive cease and desist demand via certified mail regarding alleged XXXX XXXX ( accounts ending XXXX and XXXX ). Certified delivery was confirmed on XX/XX/year>. Under 15 U.S.C. 1692c ( c ), debt XXXX must immediately cease all collection communications upon receiving such demands. 

DIRECT FDCPA VIOLATION - XX/XX/year> : Despite receiving my cease and desist demand, XXXX violated federal law by sending collection letters on XX/XX/year>- just 8 days after confirmed receipt. 

ENHANCED VALIDATION DEMANDS : On XX/XX/year>, I sent comprehensive debt validation demands requesting : ( XXXX ) original signed credit agreements, ( XXXX ) complete chain of assignment from XXXX to XXXX, ( XXXX ) account statements supporting claimed balances, ( XXXX ) documentation of legal standing to collect, and ( XXXX ) immediate cessation of all collection activities. XXXX received this letter on XX/XX/year>, via certified mail. 

XXXX DAYS OF COMPLETE SILENCE : Since XX/XX/year>, XXXX has maintained absolute silence - providing XXXX response to validation demands while continuing collection activities through credit reporting. Each day of continued credit reporting after receiving cease and desist constitutes a separate violation under 15 U.S.C. 1692c ( c ). 

ONGOING CREDIT REPORTING VIOLATIONS : Throughout this XXXX day period, XXXX has continued furnishing disputed account information to all three major credit bureaus ( XXXX XXXX XXXX XXXX XXXX, constituting ongoing collection communications in direct violation of federal cease and desist law. 

WILLFUL VIOLATION PATTERN : XXXX 's complete XXXX day silence despite certified mail delivery and explicit legal demands demonstrates willful disregard of federal consumer protection laws. This systematic non-compliance has caused significant consumer harm including credit damage, emotional distress, and forced defensive legal preparation. 

SECURITIZATION STANDING ISSUES : Based on XXXX 's documented securitization practices in SEC XXXX filings, XXXX likely XXXX not establish proper chain of title ownership for these securitized debts, making their collection activities and credit reporting unauthorized under federal law. 

CALIFORNIA CONSUMER PROTECTION VIOLATIONS : Under California case law including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, debt collection practices violating the FDCPA create concurrent violations of California 's XXXX Fair Debt Collection Practices Act and Unfair Competition Law, warranting enhanced state law remedies. 

MULTIPLE FEDERAL VIOLATIONS : XXXX 's conduct violates : ( XXXX ) 15 U.S.C. 1692c ( c ) through continued communication after cease and desist, ( XXXX ) 15 U.S.C. 1692g through validation failures, ( XXXX ) 15 U.S.C. 1692e ( 8 ) through unauthorized collection without ownership proof, and ( XXXX ) 15 U.S.C. 1692f through unauthorized credit reporting fees. 

This systematic pattern of willful violations over XXXX days demonstrates XXXX XXXX complete disregard for federal consumer protection laws and warrants immediate CFPB investigation and enforcement action.

Company response to consumer: Closed with non-monetary relief