Consumer complaint received 2025-01-29 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: NH

Complaint narrative:
Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Account Number Ending in XXXX and XXXX To Whom It May Concern : I am writing to formally dispute your claim regarding the alleged debt associated with the above-referenced account. This is a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq., and a formal demand for documentation of your authority to report this debt under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 

I. Proof of Authorization to Report and Collect the Alleged Debt Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX data furnisher such as Midland Credit Management ( MCM ) must demonstrate a permissible purpose for furnishing information to consumer reporting agencies or attempting to collect a debt. Therefore, I am requesting : 1. Evidence of Explicit Consent : Provide written documentation, such as a signed agreement or contract, wherein I expressly granted XXXX, XXXX, or any subsequent assignee, the legal authority to report this account to the credit bureaus or to assign this authority to third-party collectors, including Midland Credit Management , Inc . Without such documentation, your continued reporting of this account constitutes a violation of the FCRA. 
XXXX. Evidence of Your Legal Right to Collect : Provide legal documentation proving Midland Credit Management , Inc., is the rightful owner of or has been duly authorized to collect on the alleged debt. This includes a demonstration of how your rights to collect align with XXXX XXXX. XXXX ( XXXX ) and XXXX XXXX. XXXX ( XXXX ), which prohibit the collection of any amount unless expressly authorized by the agreement creating the debt or permitted by law. 

XXXX. Request for the Forward Flow Agreement and Chain of Assignment Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX debt collectors are obligated to provide sufficient validation of the debt upon request. This includes documentation that establishes a clear transfer of ownership. Specifically, I demand the following : XXXX. Forward Flow Agreement or Sale Documentation : Provide a complete copy of the Forward Flow Agreement or any other agreement detailing the terms of sale or assignment of this account from XXXX, XXXX, to Midland Credit Management , Inc . This document should include : The specific terms of the transfer of rights. 
Any warranties or representations regarding the accuracy or enforceability of the alleged debt. 
The effective date of the transfer. 
XXXX. Chain of Assignment : Provide a complete and unbroken chain of assignment, documenting all parties who owned or were assigned this debt, from its origination to the present. Each link in the chain must include : The names of all assignors and assignees. 
Dates of each transfer. 
Proof that XXXX, XXXX, held the authority to assign the debt to Midland Credit Management , Inc . 

XXXX. XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, validation of a debt must include clear evidence of its legitimacy and enforceability. I demand : XXXX. Detailed Breakdown of the Alleged Balance : Provide an itemized breakdown of the total balance of {$550.00} and XXXX specifying : The original principal amount. 
All accrued interest, fees, and penalties, with dates and amounts. 
Any payments or credits applied to the account.

2. Original Signed Agreement or Contract : Provide a copy of the original agreement or contract between myself and XXXX, XXXX, that establishes my liability for this debt. This document must include my signature, terms of the agreement, and any disclosures required under applicable federal and state laws. 
3. Account Activity History : Provide a full accounting of all transactions on the account, including all charges, purchases, payments, and adjustments. Without this information, the balance you claim can not be substantiated. 

IV. Legal Notice Regarding Communication and Compliance 1. Cease-and-Desist Communication : XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX, I hereby demand that all future communication regarding this matter be made in writing only. Contacting me by telephone at my home, workplace, or on my mobile phone is expressly prohibited. 
2. Compliance with State-Specific Laws : I also remind you that your collection activities must comply with all applicable state laws, including but not limited to : Licensing requirements for debt XXXX. 
Prohibitions against unfair or deceptive practices. 

Failure to adhere to state laws may result in additional liability under those statutes.

V. Disputes with Credit Reporting Agencies and Regulatory Complaints If you fail to comply with this request or fail to provide the requested documentation within 30 days of receipt, I will take the following actions : 1. Credit Bureau Disputes : I will file formal disputes with XXXX XXXX XXXX, and XXXX XXXX providing evidence that Midland Credit Management XXXX XXXX XXXX has failed to validate or substantiate its claim. I will demand removal of this account from my credit reports as inaccurate and unverifiable under XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 
2. Regulatory Complaints : I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and my states Attorney General, detailing your failure to validate this debt and any violations of the FDCPA, FCRA, or state laws.

3. Legal Remedies : I will pursue all available legal remedies under XXXX XXXX. XXXX, including damages, attorneys fees, and costs, should you continue to violate my rights under federal and state law. 

VI. Timeframe for Response This is a formal notice pursuant to federal law. You have 30 days from the date of your receipt of this letter to respond with all requested documentation. Failure to respond fully and substantively will result in the actions described above. 

Sincerely,

Company response to consumer: Closed with explanation