Consumer complaint received 2025-12-21 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX MIDLAND CREDIT MANAGEMENT , INC . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Formal Dispute & Demand for Validation Account Number : XXXX Account Type : Collection Amount Reported : {$460.00} / {$460.00} To Whom It May Concern, I am in receipt of your collection activity and/or credit reporting regarding the alleged account referenced above. Be advised that I dispute this alleged debt in its entirety. I do not acknowledge ownership, responsibility, or liability for this account. 

This letter constitutes a formal notice of dispute and a demand for strict debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This request is made without waiver of any rights and shall not be construed as an admission of liability. 

DEMAND FOR STRICT PROOF & LEGAL STANDING You are required to provide competent, verifiable evidence that Midland Credit Management has the legal authority and standing to collect and report this alleged debt. Account summaries, screenshots, affidavits, or internal database printouts do not constitute proper validation. 

Pursuant to Federal Rule of Evidence 1002 ( Best Evidence Rule ), you must produce the original agreement or contract that allegedly created this obligation. 

Accordingly, I demand the following documentation : 1. Proof of Ownership & Authority A signed contract or agreement bearing my original signature A complete chain of title, including all assignments and bills of sale from the original creditor to Midland Credit Management The full purchase or assignment agreement, including all terms, schedules, and exhibits 2. Full Accounting A complete itemized accounting from the original creditor Documentation proving the accuracy and legality of the balance claimed Proof the balance has not been altered, inflated, or resold 3. Furnisher & Reporting Authority Proof that Midland Credit Management is authorized to furnish data to consumer reporting agencies A copy of any Notice of Assignment allegedly sent to me Proof of compliance with 15 U.S.C. 1681s-2 ( b ) CEASE COLLECTION & REPORTING REQUIREMENTS Until you provide proper validation, you are required to CEASE ALL COLLECTION ACTIVITY pursuant to 15 U.S.C. 1692g ( b ). This includes, but is not limited to : Telephone calls Written correspondence Credit reporting or verification to consumer reporting agencies If this account is being reported, it must be marked as DISPUTED immediately pursuant to 15 U.S.C. 1692e ( 8 ). 

NOTICE REGARDING IMPROPER VERIFICATION Any attempt to verify this account through automated systems, e-OSCAR, summaries, or data-furnisher codes does not constitute lawful validation and will be deemed noncompliant.

Verification must be conducted through a manual investigation supported by actual documentary evidence. 

FAILURE TO COMPLY & LEGAL CONSEQUENCES If Midland Credit Management fails to provide strict proof within 30 days, I demand : Immediate closure of the account Permanent deletion of any credit reporting Written confirmation of deletion Continued collection or reporting without proper validation will result in complaints filed with the CFPB, FTC, and State Attorney General, and may expose your company to civil liability under 15 U.S.C. 1692k, 1681n, and 1681o.

Please respond in writing only. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation