Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Formal Debt Dispute and Validation Demand Debt Collector : Midland Credit Management Inc. 
Creditor : XXXX Account Number : XXXX To Whom It May Concern : I am writing to formally dispute the validity and legal enforceability of the above-referenced debt, which is allegedly being collected by Midland Credit Management Inc. , and originated by XXXX, This letter constitutes a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( b ), and a demand for full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
Legal Violations Failure to Validate Prior to Collection and Reporting Midland Credit Management is actively reporting this alleged debt to consumer reporting agencies and/or attempting collection without first providing proper validation or sufficient notice. This constitutes violations of : 15 U.S.C. 1692g ( b ) Debt collectors must cease collection efforts until validation is provided.

15 U.S.C. 1681s-2 ( b ) Furnishers must report only complete and verifiable information to credit reporting agencies.

Required Documentation for Proper Validation To comply with federal law and to substantiate your authority to collect or report on this alleged debt, you must provide all the following documentation : 1. Flow Agreement o A copy of the Flow Agreement or Purchase & Sale Agreement between XXXX and Midland Management Inc., establishing the terms and scope of the debt transfer.

2. Transfer of Assignment A document showing the legal transfer of ownership rights specific to Account XXXX XXXX, including account-level detail. 
XXXX. Bill of Sale o An unredacted Bill of Sale from confirming the sale of this specific accountnot just general portfolio references.

4. Double-Sided Accounting Ledger o A complete accounting ledger showing all debits, credits, interest, fees, payments, and balance calculations from the accounts inception through charge-off and sale.

5. Proof of Liability o The original signed agreement or application with XXXX bearing my signature and outlining the terms. 
o Documentation confirming this account has not been satisfied, XXXX, canceled, or otherwise resolved. 
XXXX. Confirmation of Securitization o A written statement confirming whether the account was ever securitized. If so, identify the trust or pooled asset vehicle and explain how Midland Credit Management Inc. retains legal rights to collect.

Demand for Deletion and Cease Collection Until the above documentation is provided in full, you are not authorized to : Collect or attempt to collect on this alleged debt ; Contact me via phone, email, mail, or any other method regarding payment ; Report or furnish this account to any credit reporting agency. 


I hereby demand that you : Immediately delete Account XXXX XXXX from all consumer credit reporting agencies. 
Cease all collection activity and return the account to XXXX if you can not prove legal standing. 



Regulatory and Legal Notice Failure to comply with this request will result in : Formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 
Civil litigation for violations of the FDCPA, FCRA, and applicable state consumer protection laws. 
A demand for statutory, actual, and punitive damages, attorneys fees, and injunctive relief. 
This letter serves as both a formal dispute and a demand for validation under federal law. You are required to respond in writing within 30 days of your receipt of this notice. Please retain all documents, as they XXXX be used in current or future legal proceedings. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief