Consumer complaint received 2026-04-14 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: TX

Complaint narrative:
To whom it may concern, This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( XXXX ), the highly negative impact on my potential credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide : a ) Please state what money you say I owe you is for. b ) Explain and show me how you calculated what you state I owe you. c ) Provide me with any copies of any papers and show I agreed to pay what you state I owe. d ) Provide Verification or copies of any judgement if applicable. e ) Identify the original credit. f ) Prove the statute of limitation has not expired on this account g ) Show me you have a license to collect in my state. h ) Provide me with your license numbers and Registered Agent or Agent of Service At this time, I will also inform you that if your offices have reported invalidated information to any of the three Major Credit Bureaus ( XXXX XXXX XXXX XXXX ) this action might constitute Fraud under both the Federal and State Laws. Due to this fact, if any negative marks are found in my credit reports by your company or the company that you represent. I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Deformation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes listing any information with my credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate, If your company fails to respond to this request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from any credit report and a copy of such deletion ( to any/all of the three credit reporting bureaus : XXXX XXXX XXXX XXXX ) request shall be remitted to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home/cellular or place of employment. If your office attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you ensure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to CORRECT your records, any information obtained shall be used for that purpose. Regards,

Company response to consumer: Closed with explanation