Debt collection -- Attempts to collect debt not owed -- Complaint #12527564

Complaint Overview

Complaint ID: 12527564

Company: Encore Capital Group INC.

Product: Debt collection

Sub-Product: I do not know

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: California

ZIP Code: 900XX

Date Received: 2025-03-17T12:00:00-05:00

Date Sent to Company: 2025-03-17T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX Midland Credit Management , Inc . Subject : Cease and Desist Demand Regarding Alleged Debt Collection Activities Dear Midland Credit Management, This letter serves as a formal Cease and Desist demand regarding your repeated attempts to collect an alleged debt that is either unverified, time-barred, or otherwise legally unenforceable. Your actions may violate my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., and relevant state consumer protection laws. Cease and Desist Demand Pursuant to 15 U.S.C. 1692c ( c ), I demand that you immediately cease all communication with me regarding the alleged debt, including phone calls, letters, emails, or third-party contact. If you believe you have legal grounds to pursue this matter, you must provide valid proof of the debts origin, assignment, and enforceability. Any failure to comply may be considered a violation of federal law. Violations and Legal Precedents Your collection practices may be in direct violation of the FDCPA and other applicable laws, as illustrated by the following case law : XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ) XXXX that a debtors request for validation requires the collector to produce substantive evidence of the alleged debt. XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Establishing that attempting to collect a time-barred debt is an FDCPA violation. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Confirming that misleading or deceptive representations in debt collection are illegal. XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX. XXXX XXXX ) Recognizing that attempting to collect a debt beyond the statute of limitations violates the FDCPA. XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Affirming that all debt collectors, including attorneys, are subject to the FDCPA. Potential Legal Consequences Continued collection efforts in violation of the FDCPA or without proper validation will force me to take legal action. I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. Additionally, I may pursue legal action for damages, statutory penalties, and attorney fees. Final Warning This letter serves as my final warning. Any further collection efforts without proper legal validation may result in a lawsuit against your company. I require written confirmation within 30 days that you have ceased all collection activities regarding this alleged debt. Sincerely, XXXX XXXX XXXX XXXX.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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