Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Debt Validation Request Letter To : Midland Credit Management XXXX : XX/XX/year> Dear Midland Credit Management, I am contacting you regarding the debt you are attempting to collect from me. This letter is being sent to you pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ) and ( b ), which requires that you provide proper validation of the debt you claim I owe.

Please provide the following information so I can verify the validity and accuracy of this alleged debt : Information About the Debt and the Creditor 1. The amount of the debt.

2. The name of the creditor to whom the debt is currently owed.

3. A statement that unless I dispute the validity of the debt ( or any portion thereof ) within 30 days of receiving this notice, the debt will be assumed valid by your agency.

4. A statement that if I notify you in writing within the 30-day period that I dispute the debt, your agency will obtain verification of the debt or a copy of a judgment and mail it to me. 
XXXX. A statement that upon my written request, you will provide the name and address of the original creditor if different from the current one. 

Information About the Amount and the Age of the Debt 1. A complete accounting of the debt you claim I owe, including a signed contract or agreement. 
2. An itemized breakdown of all charges, fees, and interest that make up the alleged balance.

3. An explanation of how the total amount was calculated.

4. Copies of any documents, ledgers, or statements that show I agreed to pay the amount claimed.

5. Identification of the original creditor.

6. Identification and description of any third-party costs or fees youve added to the balance.

7. An affidavit stating that the Statute of Limitations has not expired on this debt.

Information About Your Authority to Collect This Debt 1. Proof that your firm holds a valid debt collection license in the State of New Jersey.

* Include the license number, name on the license, date issued, and the contact information of the issuing agency. 
2. If you are contacting me from outside New Jersey, provide proof that your firm has a valid license to collect debts from consumers in New Jersey, including the license number and issuing agencys contact information. 


I am formally disputing this debt and exercising my rights under the FDCPA and all applicable state laws.Please suspend all collection activities until you provide clear and convincing evidence that I have a legal obligation to pay you and/or the original creditor. 
If you have reported invalidated or inaccurate information to any of the three major credit bureaus ( XXXX XXXX XXXX XXXX ), please be advised that doing so XXXX constitute fraud and credit disparagement under federal and state law. 
Accordingly, I request immediate correction or deletion of any inaccurate reporting related to this account. 
Thank you for your cooperation. Please respond in writing to the address or email on file. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief