Consumer complaint received 2025-11-14 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 XXXX XXXX, IL XXXX Phone : XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Debt Validation Request Notice of Dispute Account in Dispute : Midland Credit Management Account # XXXX {$610.00} To Whom It May Concern, I am in receipt of your recent communication regarding an alleged debt that you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, I am formally disputing this debt and any other alleged debts you have in my name by requesting full validation. I do not acknowledge ownership or liability for this alleged debt and require strict proof that Midland Credit Management ( MCM ) has the legal standing to collect. 

Under UCC 8-102 ( a ) ( 15 ), a security is defined as a financial asset that may be transferred and held by a clearing corporation. If this alleged debt has been securitized, transferred, or sold into a trust, then Midland Credit Management is not the rightful owner and therefore lacks standing to collect. 

Additionally, Rule 1002 of the Federal Rules of Evidence requires the original document or contract to prove the content of a writing, recording, or photograph. A mere statement or printout is insufficient to validate this alleged debt.

I dispute any and all accounts you have in my name. Therefore, I demand the following documentation to verify the legitimacy of your attempt to collect as follows : 1. Proof of Ownership and Legal Standing A signed contract or agreement bearing my signature that created this alleged obligation. 

A chain of titles such as the bill of sale and assignment agreements proving Midland Credit Management legally acquired the alleged debt. 

The full purchase agreement between Midland Credit Management and the original creditor, including all terms of sale.

2. Full Debt Validation & Itemized Accounting A detailed accounting ledger from the original creditor showing the full breakdown of principal, interest, and fees.

Proof of the accuracy of the balance you claim is owed. 

A breakdown of how you calculated the amount claimed. 

3. Securitization & Financial Asset Verification Confirmation whether this alleged debt was securitized or sold as part of any asset-backed security.

The name of any trust, fund, or special purpose vehicle associated with this debt.

Copies of the Pooling and Servicing Agreement, trust agreements, or prospectuses related to the securitization of this account. 

4. Debt Collector Authorization & Compliance A copy of Midland Credit Managements state collection license proving authority to collect in Illinois.

Copies of any agreements authorizing your agency to collect on behalf of the original creditor.

The name and contact information of the original creditor and proof that they authorized MCM to collect.

5. Consumer Rights Compliance A copy of the Notice of Assignment from the original creditor informing me of the ownership transfer. 

Copies of all letters and notices related to this alleged debt. 

A copy of any arbitration clauses, jurisdiction agreements, or other governing contracts. 

Failure to Validate and Legal Consequences Until you provide the requested documents, I do not acknowledge any liability for this alleged debt. If you fail to validate, you are required to cease collection efforts under 15 U.S.C. 1692g ( b ). Any attempt to continue collection without proper validation violates federal law and may result in legal action.

Additionally, I request that you update all credit reporting agencies to mark this debt as disputed under 15 U.S.C. 1692e ( 8 ). Failure to do so may result in a complaint to the FTC, the Illinois Attorney General, and the CFPB. 

I am requesting full validation of the account you claim you have on me : Account # XXXX {$610.00} Please respond in writing within 30 days of receiving this request. If you can not provide strict proof of ownership and legal standing, I expect written confirmation that this account will be closed and any negative reporting removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation