Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX : XX/XX/XXXX Date : XX/XX/XXXX MIDLAND CREDIT MANAGEMENT , INC . 
Attn : Compliance / Legal Department Re : FORMAL NOTICE OF DISPUTE & DEMAND FOR DEBT VALIDATION FDCPA 809 ( 15 U.S.C. 1692g ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Claimed : {$430.00} To Whom It May Concern, This correspondence serves as formal notice that I dispute the above-referenced account in its entirety pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

You are hereby demanded to provide FULL AND PROPER VALIDATION of this alleged debt. 

Let me be absolutely clear : A copy of a prior bill, account statement, or payment summary does NOT constitute validation under federal law. 
Internally generated screenshots, spreadsheets, or database printouts are NOT validation. 

Midland Credit Management has a well-documented history of responding to validation requests with nothing more than a billing statement, which is legally insufficient and noncompliant. 

I will not accept such responses. 

REQUIRED VALIDATION ( NO SUBSTITUTES ) You are required to provide ALL of the following : The name and address of the ORIGINAL CREDITOR, which you currently report as Unknown A copy of the original contract or agreement bearing my signature that allegedly created this debt Complete chain of title, including every assignment, bill of sale, and transfer document proving your legal ownership A full itemized accounting of the alleged {$430.00} balance, including principal, interest, fees, and charges The date of default and date of last payment, supported by original creditor records Proof the debt is within the applicable statute of limitations Proof you are licensed and authorized to collect in my state Anything less will be deemed non-validation. 

XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1692g ( b ), once a debt is disputed, you are required to CEASE ALL COLLECTION ACTIVITY until proper validation is provided. 

This includes, but is not limited to : Credit reporting or verification to any consumer reporting agency Collection letters, calls, or electronic communications Sale, transfer, or assignment of the alleged debt NOTICE REGARDING THREATS OF LEGAL ACTION Any threat to sue, implication of legal action, or representation that litigation is being considered on this account without proper validation and without intent or legal ability to sue will constitute a separate violation of : 15 U.S.C. 1692e ( 5 ) ( threatening action that can not legally be taken or is not intended ) 15 U.S.C. 1692e ( 10 ) ( false or misleading representations ) Such conduct will be documented and preserved as evidence. 

DEMAND If you can not provide the required validation, you are demanded to : Cease all collection activity immediately Delete any and all credit reporting related to this account Confirm deletion in writing Failure to comply will be interpreted as your admission that this alleged debt is unverifiable, inaccurate, and unenforceable, and will result in complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney General, with this correspondence attached as evidence of notice. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation