Debt collection -- Attempts to collect debt not owed -- Complaint #11034056
Complaint Overview
Complaint ID: 11034056
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 78245
Date Received: 2024-12-04T12:00:00-05:00
Date Sent to Company: 2024-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXXXXXX MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Account # XXXX To Whom It XXXXay Concern, I hope this message finds you well. I am writing in response to a recent debt collection letter from your office regarding an alleged debt. I do not recognize this debt, and I am formally requesting validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ). To clarify this matter, please provide the following : 1. Creditor Information : The name and address of both the original creditor and the current creditor. 2. Debt Verification : Documentation verifying the amount you claim I owe and proof of a valid contract establishing this debt. 3. Assignment Records : Copies of all assignments or transfers demonstrating the chain of ownership of this debt from the original creditor to your agency. 4. Proof of Securitization : Evidence that this debt was securitized by the original creditor, as stipulated in the Truth in Lending Act ( TILA ). 5. Assignment Details : Documentation of any assignments of the debt from the original creditor to any secured trust and any subsequent transfers. Until you have provided the requested validation, I respectfully request that you cease all collection activities related to this account. If you can not provide sufficient validation, I expect the account to be removed from your records. Additionally, please refrain from accessing my credit report or reporting this disputed debt to any credit bureaus. If this alleged debt has already been reported, I request that my dispute is clearly noted in the report. Permissible Purpose Please clarify the permissible purpose under which you accessed my credit information, as I dispute the validity of this claim. If you choose to transfer or sell this account to another agency, please inform them of my dispute regarding this alleged debt. Thank you for your attention to this matter. I look forward to your prompt response to resolve this issue amicably. Best regards, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #11034056 about?
Complaint #11034056 was filed against Encore Capital Group INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2024-12-04T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Encore Capital Group INC.?
Yes, visit the Encore Capital Group INC. company profile at readthecomplaint.com/company/encore-capital-group-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.