Consumer complaint received 2025-03-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Notice of Regulation F Violations Account Number : XXXX  Dear, Midland Credit Management Regarding your company 's debt collection practices in violation of Regulation F ( 12 CFR Part 1006 ) as implemented by the Consumer Financial Protection Bureau ( CFPB ). Based on the response that I received from your company. 

Company 's Response- # XXXX Dear XXXX XXXX XXXX : Thank you for your inquiry through the Consumer Financial Protection Bureau ( CFPB ), which we received on XX/XX/XXXX. We appreciate the opportunity to answer your questions. An investigation of this matter indicates that we are the owner of account no. XXXX purchased on XX/XX/XXXX, in the name of XXXX XXXX, under the last XXXX of the social security number XXXX. The balance at the time of purchase was {$6900.00}, which is the current balance. We are the owner of account no. XXXX purchased on XX/XX/XXXX, in the name of XXXX XXXX, under the last XXXX of the social security number XXXX. The balance at the time of purchase was {$3700.00}, which is the current balance. Consumers are sometimes unclear as to what the term charge off means for a debt. When a creditor " charges off '' an account, it means that the creditor no longer believes the consumer will pay the bill and has written the debt off of its books. Often, they then sell the debt. Please note that the underlying promissory obligation remains valid, due, and owing. Just as the original creditor had the right to legally seek repayment of the promissory obligation, the new third-party purchaser has the right to repayment of the credit account. A copy of the verification information provided by the seller for each of your accounts is enclosed for your records. If you would like to review additional account documentation, you may access documents by visiting our website at www.midlandcredit.com/. Please be assured that we consider consumer complaints a serious matter. We apologize for the inconvenience caused to you. Thank you again for your assistance in this matter. This communication is from a debt collector. 

Your company has failed to comply with several requirements under Regulation F, specifically : 1. Failure to Provide Clear Chain of Title Documentation Pursuant to 12 CFR 1006.34, you have failed to provide me adequate verification of debt ownership and the complete chain of title for the alleged debt. This documentation is essential to establish your legal right to collect. 2. Improper Communication Practices Your collection attempts have violated 12 CFR 1006.6 and 1006.14 by : - Failing to provide required disclosures in initial communications- Not properly validating the debt before pursuing collection activities- Engaging in communication practices that violate time and place restrictions XXXX. Inadequate Debt Validation Notice Your validation notice fails to meet the requirements outlined in 12 CFR 1006.34 ( c ), which mandates specific information about the debt and consumer rights. DEMAND FOR IMMEDIATE ACTION Pursuant to Regulation F and the Fair Debt Collection Practices Act ( FDCPA ), I demand that you : 1. Cease all collection activities immediately 2. Provide complete chain of ownership documentation within 15 days 3. Submit written confirmation of your compliance with Regulation F requirements 4. Provide a detailed accounting of all collection attempts 5. Remove any credit reporting related to this alleged debt Failure to comply with these demands within 30 days will result in me pursuing all available legal remedies, including but not limited to : - Filing a federal lawsuit for FDCPA violations- Seeking statutory damages- Pursuing actual damages Be advised that any continued collection attempts without proper validation and documentation may result in additional violations and increased liability. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation