Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XX/XX/XXXX Account Number:XXXX  Dear Collection Agency Name, I am writing to address the adverse marks on my credit file that have been attributed to me. While I would willingly acknowledge and assume responsibility for any valid debts, I am unable to do so in this case without Proper Validation and Proof Of Claim. As per the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting comprehensive validation of the alleged debt. 
I seek evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. Complete payment history, as per the precedent set by Spears v Brennan, 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Provide a detailed verification by line item, including information on the purchase date, itemized amounts, receipt of goods, and any relevant details directly from the Original Creditor.

2. Date of Last Activity.

3. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

4. Agreement that bears the signature of the alleged debtor, indicating the commitment to pay the original creditor.

The obligation between your company ( [ Collection Agency Name ] and me that authorizes the collection of the alleged debt, along with any transactions binding me to an agreement to pay your company.

5. Proof of photo identification ( i.e., driver 's license, state identification card, or other government issued identification card ) presented at the time of incurring the debt.

6. Letter of sale or assignment from the original creditor to your company, including any agreement with your client granting the authority to collect on this alleged debt. ( Agreement with your client that grants you the authority to collect on this alleged debt. ) Coppola v.

Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., XXXX XXXX, XXXX ) - information relating to the purchase of a bad debt is not proprietary or burdensome. 
7. Any other pertinent information regarding the creation of the debt by your collection agency like ( 1. Where the debt originated from, 2. ) The sum paid by the bad debt buyer for the plaintiff 's debt, 3. ) How the total amount was determined, and 4 ) A list of documents that authorize the collection of debts. ) I must emphasize that, under FDCPA Section 809 ( b ), collection activity is prohibited until the debt is duly validated. The court ruling in Boatley v. Diem Corporation ( No. Civ 03-0762, D.C. Ariz. 2004 ) confirms that reporting a collection account constitutes collection activity. Please be aware that this is not a request for partial validation ; rather, it is a demand for all the listed information to constitute full and sufficient validation of this debt. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA and other statutes. I look forward to an uneventful resolution of this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief