Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, NJ XXXX RE : Request for Full Verification and Disclosure of Records Account # XXXX To Whom It May Concern, This letter is in response to your recent communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I formally request full verification of this alleged debt and all supporting records. 

Required Documentation Please provide the following information to fulfill your obligations under federal consumer protection laws : XXXX. Creditor Information o The name and address of both the original creditor and the current creditor who owns the debt. 
XXXX. Debt Verification o A breakdown of the debt amount, including principal, interest, fees, and other charges as required under 12 CFR 1006.34 ( c ).

o Proof of a valid contract or agreement establishing the alleged debt. 
XXXX. Itemization Date o Provide the specific reference date you used in your itemization ( such as the last statement date, charge-off date, or last payment date ). 
XXXX. Assignment Records o Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 
XXXX. Proof of Permissible Purpose o Explain the permissible purpose under which you accessed my credit report under 15 U.S.C. 1681b ( Fair Credit Reporting Act ). 
XXXX. Cease Collection Until Validation Is Provided o If you can not provide proper validation, I request that you cease all collection activities and remove this alleged debt from your records. 
XXXX. Communication Records o A record of all communications ( letters, phone calls, emails, texts ) sent to or from your office o Names, job titles, and departments of any individuals who contacted me o Copies of call logs or transcripts ( if available ) XXXX. System-Generated Documentation o Screenshots, data logs, or reports from your system of record with date/time stamps o Internal notes or dispute handling logs showing how and when this account was processed o Company policies related to account disputes and verification XXXX. Verification of Responsibility o Names and job titles of personnel responsible for handling this dispute o Dates of any review, verification, or updates to the account Consumer Rights Notice Collection activity must cease until complete verification has been provided. Furthermore, because this account is not currently reporting on my credit report, you are not authorized to report this debt to any credit reporting agency or sell, transfer, or assign this debt to any third party unless and until you have fully validated it as required by law. 
As part of this cease-and-desist request, you are not to contact me via phone call, text message, email, or physical mail. All future communication must be conducted solely via XXXX, and only in direct response to this dispute. 

Enclosures Copy of your original collection notice ( XXXX XXXX  ) Copy of my initial dispute letter Copy of the correspondence received from your company Copies of any relevant prior correspondence Proof of delivery/tracking information Please respond within 30 days of your receipt of this letter. Your compliance is required under federal law and will help prevent unnecessary escalation. 
Sincerely, XXXX XXXX Enclosures : Recent correspondence from your company for alleged debt.

Company response to consumer: Closed with non-monetary relief