Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Formal Debt Validation and Dispute under FDCPA & FCRASubject : Formal Debt Validation and Dispute under FDCPA & FCRA Account # : XXXX XXXX XXXX XXXX  / XXXXAccount # : XXXX XXXX XXXX XXXX  / XXXX  To Whom It May Concern, To Whom It May Concern, This letter is a formal dispute and demand for full validation of the above-referenced alleged account, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2.This letter is a formal dispute and demand for full validation of the above-referenced alleged account, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. 

You are attempting to collect or report a debt allegedly owed to XXXX XXXX XXXX  / XXXX, which I do not recognize. Under federal law, I demand that you provide the following documentation before any further action is taken : You are attempting to collect or report a debt allegedly owed to XXXX XXXX XXXX  / XXXX, which I do not recognize. Under federal law, I demand that you provide the following documentation before any further action is taken : 1. The name and address of the original creditor ( XXXX XXXX XXXX  / XXXX  ) .1. The name and address of the original creditor ( XXXX XXXX XXXX  / XXXX  ). 
2. A full copy of the original signed contract or agreement bearing my signature that legally obligates me to this alleged debt.2. A full copy of the original signed contract or agreement bearing my signature that legally obligates me to this alleged debt.

3. A complete itemized accounting of the alleged debt, including the original amount, interest, late fees, penalties, and any other charges.3. A complete itemized accounting of the alleged debt, including the original amount, interest, late fees, penalties, and any other charges.

4. Proof of legal ownership or transfer showing a full chain of assignment, from the original creditor to your agency, authorizing your right to collect.4. Proof of legal ownership or transfer showing a full chain of assignment, from the original creditor to your agency, authorizing your right to collect.

5. Copies of all documents you intend to rely upon or report to any consumer reporting agency.5. Copies of all documents you intend to rely upon or report to any consumer reporting agency.

6. A copy of the Purchase Agreement or Sale Agreement between the original creditor and your agency, proving the lawful acquisition and legal interest in the alleged debt, including the amount paid for said account.

Until you provide full validation, you are required by law to cease all collection activity, including credit reporting, in accordance with FDCPA 1692g ( b ). Reporting inaccurate or unvalidated information is a direct violation of FCRA 1681s-2 ( a ) and may subject you to civil liability under FCRA 1681n & 1681o.Until you provide full validation, you are required by law to cease all collection activity, including credit reporting, in accordance with FDCPA 1692g ( b ). Reporting inaccurate or unvalidated information is a direct violation of FCRA 1681s-2 ( a ) and may subject you to civil liability under FCRA 1681n & 1681o.

If this account has been reported to any credit reporting agency, I demand that it be immediately marked as " disputed '' under FCRA 1681s-2 ( a ) ( 3 ) .If this account has been reported to any credit reporting agency, I demand that it be immediately marked as " disputed '' under FCRA 1681s-2 ( a ) ( 3 ).

If you fail to provide the above documentation within 30 days, I will consider this matter closed, and I will pursue all remedies available under federal law, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office.If you fail to provide the above documentation within 30 days, I will consider this matter closed, and I will pursue all remedies available under federal law, including complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office.

I also invoke my right under FDCPA 805 ( c ) to request that you cease all phone communications. All further communication must be made strictly in writing.I also invoke my right under FDCPA 805 ( c ) to request that you cease all phone communications. All further communication must be made strictly in writing. 

Thank you for your prompt attention to this serious legal matter.Thank you for your prompt attention to this serious legal matter. 

Sincerely, Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief