Encore Capital Group Disclosure Verification Of Debt Complaints

Review and analysis of over 1,101 complaints against Encore Capital Group

Encore Capital Group consumers have reported over 1,101 official complaints related to Disclosure verification of debt. Out of the 1,101 consumer complaints against Encore Capital Group, 27% were disputed by the consumer (i.e. the consumer was not happy with how Encore Capital Group responded to their complaint) and 99% were processed in a timely manner. 0% of consumer complaints against Encore Capital Group resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 23% resulted in non-monetary compensation.

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New Disclosure Verification Of Debt Consumer Complaints


Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

May 14, 2016 - I have called and talked to the company I am seeking asking for a detailed statement for the past 3 months of the account before it went into collection so that I can verify how a - credit limit credit card became $1100.00 the agency has refused to go back 3 months or take a settlement offer of - and the least they would go is -. I would like detailed statements of how fees or interest were accrued and verify last purchases before collection...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

May 9, 2016 - I have asked Midland to validate a collection they are reporting on my credit reports on -/-/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

December 17, 2015 - Disputed debt on credit report asked for validation with my signature, and they have start legal action against me. So in turn i have started a class action against them. Debt buyer Midland Credit Management, Inc ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

December 17, 2015 - I received a letter -/-/- from the Law Offices of -, -, -, - - stating they represent Midland Funding in a debt I supposedly owe. I responded to their letter within 30 days requesting proof of debt by certified letter. I never heard anything. I sent a second certified letter requesting proof of debt. I still have n't heard anything back from them or received the proof of debt as requested. -/-/-, I started the process of refinancing my house. I was informed that I would have a higher interest rate because this debit is on my account and listed as disputed. I have t...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

December 16, 2015 - I contacted Midland Funding and spoke with - - in the debt verification department regarding an account that should no longer be reported on my credit file. My original debt was with - - which is now - -. My first date of delinquency was - 2008. This date was confirmed with the original creditor AND - - also confirmed that the date of the last payment was - 2008, however, - - stated that that information does not state that that was the FIRST date of delinquency. This statement by - - makes no sense being that the original creditor already confirmed th...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

December 15, 2015 - Midland Funding removed funds from my account for a debt that does n't belong to me. I recently sent a letter stating that the money that was removed from my account belongs to my elderly father who is - all the money came from is social security check to be used for is living expenses and is final burial expenses. I also explain to Midland that I am the sole caregiver for my father and all the monies removed belongs to him. ...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

December 10, 2015 - I was denied employment because of a judgment against me. I was/ am completely unaware of any hearing, never received any notice of collection of a debt by Midland LLC . Midland LLC apparently took me to court somewhere without serving me any documents, and won a courts judgement. I was never notified of any hearing, complaint, or received notice of collection of a debt by Midland LLC. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

December 7, 2015 - I began going through a divorce -/-/-. After which I was unable to continue payments on my - - - credit card. Once I was able, I began making payments to - - - and paid the balance owed in full on -/-/-. During this time period I received notice from - Card Services that my account was delinquent. I notified them I was paying the dept to the original creditor and that it would be paid in full. At some point Asset Acceptance LLC purchased the debt as well. I wrote to Asset Acceptance and asked them to remove the information and I sent them a copy of the final paym...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

December 7, 2015 - A letter was sent to Midland Credit Management in - 2014, asking for validation of a debt, however they never validated the debt but what they did send me back was an offer for a settlement amount dated - 2014. I continued to send them letters stating they have n't validated the debt with no response however they continue to report the account on my credit report. As recent as today, I have spoken with the following representatives - -, I was transferred to - - - # - in the Consumer Support Services Department not before he told me that there is a limited amount of time...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

December 5, 2015 - They have not VALIDATED this claimed debt they are attempting to collect from me pursuant to FDCPA. Company claims to have purchased the debt but does n't offer any proof the purchased debt was VALID and MINE. No written agreement, no signature, no verification at all. Please remove this trade line from all credit bureau reports you have reported to as it is hindering my ability to obtain credit. Thank you. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

December 2, 2015 - There are - accounts listed on my credit file from Midland Funding LLC which are very old. I have disputed several times with no verification ( initial signed contract and proof when the date the last payment was made ). Can your agency help assist me? ...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

November 27, 2015 - Midland credit management account - amount $630.00 opened. - has been reporting inaccurate on my credit and is in violation of federal law. This account is a collection account and is reporting 120 days past due which is impossible and is an inaccurate status for a collection account. It is also reflecting that it 's as a factoring account which is false because factoring accounts reflect current debts. Please remove this account from my - credit report for violating the fcra and inaccurately reporting account statuse as well as account type. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

November 23, 2015 - I have specifically requested Asset Acceptance LLC to provide proof of debt owed, they have not provided any type of proof regarding this debt. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

November 21, 2015 - When I sent a letter requesting Midland Funding to validate an alleged debt and provide their Texas license and bonding information ( as required by Texas law ) they not only did not send the information but sent me a letter refusing to validate the debt. A few months later they placed major derogatory information on all - of my credit reports. This ruined an excellent financing opportunity I 'd applied for at about the same time. The specific reason I was declined was due to their recent illegal reporting of a collection. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

November 18, 2015 - I am a - - veteran. Wife and I applied through VA to buy a house close to family. Credit report showed judgement from a few years ago that I did not know about. I called collection company to settle the account so we could move on. Paid the the amount we agreed on to settle account. Was told it would take minimum of 30 days to get papers showing judgement satisfied. Tried to get some sort of date but was told to just check back. Paid on -/-/2015 but was told not sent to legal dept until -/-/2015. Court is in a small town so should not be a problem of the court being too busy....

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

November 12, 2015 - I have a Judgment that shows as " Satisfied '' on my Credit Report, indicating Asset Acceptance as the Plaintiff. When I contacted the Courthouse ( - County Minnesota ) they reported the judgment was " not satisfied '' or had " not received a " satisfied '' letter ; ultimately providing information to contact a local attorney who was listed on their end as - - ( - ) who has yet to return my call. I later had to contact Asset Acceptance, whom when asked provided the original credit agency as - - and stated it was transferred to a " Law Firm ''. I was then informed that the jud...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

November 9, 2015 - I never received a thing but a summons from Midland Funding , LLC ( Encore Capital ). I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent Midland Funding a letter before I sumitted my answer to the court here in Arizona. Midland answered back with a motion for summary judgment. Midland ignored my letter electing arbitration per - cardholder 's agreement. Midland forced me into litigation when a clause in - 's cardholder agreement protects any alleged consumer from litigation. MY QUESTION TO MIDLAND FUNDING IS THIS : ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

November 9, 2015 - I mailed a very specific letter as per The Fair Debt Collection Practices Act demanding validation of this debt that I first became aware of when I saw my credit report. Midland ignored my letter even though I had it tracked and know they received it in - 2015 ...

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Encore Capital Group Debt collection disclosure verification of debt not disclosed as an attempt to collect

November 3, 2015 - MCM Midland Credit Management Inc. has purchased an old debt that is ten years old and trying to say they are collecting the debt. The FTC has already removed this debt from my credit history and I do not know how they got this information. I called them and told them this has been removed because of the ten year guideline and to not call me any more. They stated that this tactic will not work. I told them you will be hearing from the FTC. Please see this company understands that this debt has been removed and my credit report also states from beneficial paid as agreed. Thanks,, ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

November 3, 2015 - I received threatening phone calls and letters plus a lawsuit was filed, when I disputed the claim to debt. They are not the original debtor and their information is wrong. They did not provide me with enough information and threatened to take action if I did n't respond within 30 days. They refuse to give me their street address when I phone them so that I can have them served. They were very rude on the phone and would not provide information. ...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

October 29, 2015 - company in question did not inform me of any collection action nor did they notify me of any action that was taken legialy. They also failed to give me a final demand letter after reciving a judgment aginst me. Also creditor is the same as the company that is collecting on this dept. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

October 28, 2015 - Asset Acceptance hired attorney - who filed judgment against me -/-/- on a debt that is not mine. They just recently levied my - - - account in ths amount of $860.00 I contacted Attorneys office and they advised me to file police report of id theft and that this alleged debt is not mine. I filed police report along with FTC complaint and submitted all documentation to attorneys office by certified mail USPS tracking # - -/-/- They advised me they would speak to there client and get clarification of the debt. I have called there office every week and they claim that i...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

October 27, 2015 - I contacted Midland Credit with - debt validation letters. They ignored all of my requests for validation. I do not recognize this account and I want it removed from my credit report! ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

October 23, 2015 - I mailed a request for validation to Asset Acceptance , LLC on -/-/15. The return receipt card indicates that this request letter was received by Asset on -/-/15. In my -/-/15 letter I specifically asked that Asset provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Asset 's response letter was sent just one day after after receiving my letter and is dated -/-/15 ; in this letter they identify the original creditor as - -. This ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

October 17, 2015 - I wrote Midland Funding a debt validation letter on - -, 2015 via USPS Certified Mail with Return Receipt ( See Midland Funding Response & - Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see Midland Funding - Validation Attachment -. I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any ju...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

October 16, 2015 - REF : Case No. -Midland Funding lawsuitI believe that the garnishment on my wages for a money Judgment by Midland Funding a junk debt buyer has no legal jurisdiction for their claim. Prior to a judgment granted to Midland Funding from the judicial system in the State of -, Midland never supplied documented proof of evidence supporting their right to file a lawsuit as requested. My requested information to them was : ( 1 ) Signed Copy of the agreement between me and the original creditor in -. ( 2 ) Last recorded payment date or Default date record from the original creditor. ( 3 ) Cha...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

October 9, 2015 - I checked my credit reports with all - major credit bureaus ( -, - and - ). I noticed a collection account with Midland Credit Management -. I sent all - credit bureaus disputes back in - 2015 disputing the validity of this account. Midland Credit Managment responds validating this account and sending a last statement showing a charge off from the original creditor. I disputed this account a 2nd time with Midland Credit Management letting them know that the information that they furnished is not sufficient and that I would need them to validate this account pursuant to the...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

October 6, 2015 - Company contacted me about debt which I disputed and requested validation on -/-/2015. The company never provided the validation of the debt. Instead they sent the case to an attorney 2 months later. I informed the attorney that the company was in violation because it was after 30 days and they did not provide any validation information and collection efforts should be ceased. No other contact was made, now they have filed a lawsuit of an account that was not validated. ...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

October 2, 2015 - Midland funding reporting expired debt on my credit report I never received anything in regards to dispute this debt. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

October 1, 2015 - They are trying to collect debt from - which was never on my credit report history. They are also re-aging this account. They put it on my credit report and I am not responsible for it. ...

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Encore Capital Group Debt collection disclosure verification of debt not disclosed as an attempt to collect

September 27, 2015 - To the best of my knowledge $400.00 dollars was used on credit card to make down payment on a vehicle purchased the owner and or dealer of the vehicle promised and had a warranty of one week to buy or exchange if not satisfied according to purchaser or buyer vehicle was reposed and dealer did not comply with warranty. this transaction was opened on or about 2005.It has been more than seven years to this date. What I understand Midland funding llc bought the collection debt and has a debt of $740.00 ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 26, 2015 - I have asked midland funding to furnish proof that indeed this account on my credit report is mineThey are not validating and said they do n't have anything listed on my credit report ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 25, 2015 - Debt is old. It dropped off my credit report after 7 years on -/-/2015. In Alabama it is 3 years for statute of limitations and it has been -. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 25, 2015 - I mailed a request for validation to Asset Acceptance , LLC on -/-/15. The return receipt card indicates that this request letter was received by Asset on -/-/15. In my -/-/15 letter I specifically asked that Asset provide me with an explanation of how the alleged balance was calculated, proof this debt was not time-barred and a copy of the original account level paperwork that contained my signature. Asset 's response letter was sent just one day after receiving my letter and is dated -/-/15. Not only do they fail to provide the requested information, but they ask that...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

September 23, 2015 - VIOLATED FCRA ...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

September 23, 2015 - VIOLATED FCRA ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 23, 2015 - I have send numerous letters requesting verification of the debt I have in question. They have not provide any information regarding the debt. They also change the open date of the debt to more current. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 22, 2015 - I am unaware of this debt with Midland Funding LLC it says - - - Acct. It shows $910.00 balance due. This information is not known to me. I 'm not sure what company this is for. I feel as if my rights are being violated per the Federal Trade Commission Fair Debt Collection Practice Act Section 809 Validation of Debts. Consumer should be notified within 30 days of debt. ...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

September 22, 2015 - I recently received a letter from the local courthouse that I am being sued by a company I have never heard of. It states I owe money to - computers from -/-/- which I do n't own and that I was contacted in -/-/- and refused to pay. I immediately - the company and all the links state that this company, Asset Acceptance, is a fraud and to beware of giving them money. Seeing as I have never heard of them and they are now taking to court, my alerts are going up and I do not know what my next step is. I have no money and I am a single mother and now I 'm being sued for around $400...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 19, 2015 - I contacted Midland Credit Management , Inc. by letter to request verification of debt. Midland Credit Management has reported an active collectible debt on my credit report and they have failed to produce evidence that they are legally able to collect and report an alleged debt. This debt, should it be mine, is a zombie debt over 7 years old and thus uncollectible. ...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

September 19, 2015 - Midland Credit Management Inc. ( MCM '' ) never responded to my - -, 2012 letter requesting verification of the underlying - - Bank debt. Also, no notice of my right to dispute this debt was ever communicated to me. Finally, as this debt was deemed fraudulent by - - Bank, MCM refuses to refund the payment that was made to prevent this fraudulent debt from ruining my credit score. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 17, 2015 - THIS COMPANY HAS THE WORST CUSTOMER SERVICE EVER. I HAVE BEEN CALLING FOR 2 WEEKS BUT THE DEPT I NEED IS NEVER AVAILABLE. THE REPS HANG UP ON ME CONSTANTLY OR THEY ; - PLACE ME ON HOLD THEN HANG UP. I NEED A DISPUTE MARK ON MY CREDIT REPORT TO BE REMOVED. THE ONE TIME I SPOKE WITH A REP IN THE CORRECT DEPT THEY GAVE MEBAD INFORMATION THEN PLACED ME ON HOLD THEN HUNG UP. PLEASE HELP ) ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 16, 2015 - I had an account with - many years ago. We moved to a state where - did provide service. This was over 8 years ago. - did not have coverage for this area and we asked to be released from the agreement. They did this for us with no questions asked. Then, MCM began to call/send letters demanding money for an account we had with -. I asked MCM for a detailed explanation as to what the charges are for and they provide me nothing. I just got off the phone with - today ( representatives name was - ). - tells me that she can not provide details of what those charges are as they s...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 8, 2015 - I sent a debt verification letter saying that I disputed the debt. NO verification was sent at all. The debt collection attorneys proceeded to sue me anyway - - without giving me any debt verification or notice according to federal laws. Also, I have attempted multiple times to verify the debt in the past five years - with my son 's help ) and NO verification or validation has ever been sent through the mail. I only wanted to clarify the information because they have my last name consistently spelled wrong. I heard nothing. Now the debt is almost time barred and they are suing without prov...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 7, 2015 - I see a collection company by the name of Midland Funding LLC putting negative reports and re-aging old debts on my credit report by changing the dates making them look new to extend the date longer than it should. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 7, 2015 - I contacted Midland Funding in - 2015 and asked for proof of ownership of the indicated debt. Midland funding has yet to send me the requested documentation or put the account in dispute status. I want it removed from my report. I do n't see how they can just show up on my report and not provide the requested information. I have several copies of my report and they were not showing in previous years. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

September 7, 2015 - Midland Funding LLC, is inaccurately reporting information on all of my credit reports. I submitted a debt validation request to Midland after reviewing my credit report and I received paperwork from them to fill out for a fraud claim. They did not address the inaccurate reporting. A party who purchases a debt that is in default is not a creditor. Midland is not my creditor. I have attached a copy of mycredit report showing where MIdland has inserted multiple creditor tradelines into my credit reports. This reporting is frivolous and inaccurate. Also I attached a copy of the letter that - M...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

July 18, 2015 - Hello, these credit cards debts i owed are over 7 years ago, when i was young n stupid make mistake to let my friend borrowed. If an collection debts is over 7 years, it should n't exist on your credit report any more right? ...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

July 16, 2015 - Re : Request for Investigation/ Debt Validation Request - - Bank - Account # - Sold to Asset Acceptance LLC - No Address on FileATTN : Asset Acceptance LLC / Federal Trade Commission / - - Bank -This is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from Asset Acceptance LLC debt collection agency on my credit file. - Report Number : - Dated : - - -. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant char...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

July 15, 2015 - I wrote Midland Funding a debt validation letter on - -, 2015 via USPS Certified Mail with Return Receipt ( See Midland Return Receipt Attachment ). I asked Midland Funding to provide written documentation proving that the alleged debt belonged to me. ( Please see - Validation Letter Attachment ). I asked Midland Funding to provide the following : -What the money you say I owe is for-Explain and show me how you calculated what you say I owe ; -Provide me with copies of any papers that show I agreed to pay what you say I owe-Provide a verification or copy of any judgment if applicable ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

July 9, 2015 - I requested verification/validation of a supposed debit to Midland Credit Management. The have not responded, but yet continue to call my cell phone with a robo call. this call is at all hours of the day and night. Generally there is no person to answer the line, just a stuttering robot. ...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

July 1, 2015 - they have kept dispute ongoing for more tan 14 months ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

June 30, 2015 - Collection firm purchased debt in 2008. Date of - delinquency and reporting date was - 2008. - year credit reporting expiration should have been - -. I have recently checked credit to see the dates have been changed to - with 7 year expiration moved to - -. I have had no direct contact with Asset Acceptance nor have I done anything or received information that would have moved or changed any aging on this account. I have previously asked multiple times ( in writing, certified letter ) for a full debt validation, including original dates, etc. They provide a very generic...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

June 28, 2015 - this account is 15 years old account number - I am disputing this because its beyond the time frame ...

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Encore Capital Group Debt collection disclosure verification of debt not disclosed as an attempt to collect

June 28, 2015 - Midland Funding has been reporting misleading, inaccurate, and fraudulent information to my credit reports. I have not received any information from this company pertaining to a debt. This company is keeping my family from obtaining a hoe by placing Dispute '' remarks on my credit profile, in which I have no open disputes with this company. I have no communication with this company and they yet report inaccurate information. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

June 25, 2015 - I have submitted - letters demanding verification of debt and this company replies by stating they have verified the debt and are satisfied it is mine but I have not received any verification documentation as allowed by law. They continue collection efforts by continuing to report a negative account to all credit bureaus. They have deliberately ignored my validation requests and continue the collection process on an account that I do n't own. They refuse to provide me with any document containing my signature or any other information requested in my validation requests. They have added a no...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

June 23, 2015 - I have requested for at least the last - years, a detailed explanation of how Midland Credit Management arrived at the balance they allege I owe! They REFUSE to supply me with this information, yet expect me to pay almost $3000.00 for this alleged debt. I do n't know anyone that will go to the grocery store, or -, for example without getting a detailed, line by line item explanation of what they owe. This leads me to doubt the validity of the bill. If they ca n't prove it, they need to remove it!! I consider this to be inaccurate information that is being reported to the credit bureaus...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

June 21, 2015 - I have - debts on my credit report from Midland collection agency. They are reporting that I defaulted on these accounts in - when I had n't had the - accounts since - at the latest. Coincidentally these items did n't appear on my credit report until late -. I had better credit last year despite that I have only continued to pay my bills on time. A dispute with the credit bureau only said debt reported in accordance with fcra which I know to be false. How can I resolve this? ...

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Encore Capital Group Debt collection disclosure verification of debt right to dispute notice not received

June 20, 2015 - I have sent - written request for Validation of Account, and Midland Credit Mangement has not provided me with the requested information, such as, signed contract, payment history, proof of ownership and all the requested documentation. Please see attached letters. This collection agency has placed this debt on my credit reports without validatiing the debt. ...

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Encore Capital Group Debt collection disclosure verification of debt not given enough info to verify debt

June 20, 2015 - I submitted a written request to Asset Acceptance , LLC dated - -, 2015 they received my written request on - -, 2015. On - -, - I received a letter from them stating they purchased my account, however they REFUSE to validate my account as per my written request and has placed this account on my credit reports. They failed to Validate within a timely manner and they are trying to collect on a zombie debt. Violation of FCRA and FDCA ...

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