Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management Inc. is attempting to collect an alleged debt on behalf of XXXX XXXX XXXX 

I was harassed at my private residence on : XX/XX/XXXX, by an unauthorized representative of Midland Credit Management Inc. -A debt collection company.

According to the USPS On XX/XX/XXXX, Midland Credit Management Inc. business was closed at XXXX XXXX causing a delay with delivery. Midlandcredit.com clearly displays their hours of operation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX _How is their corporate office closed at XXXX? I will forward another notice to one of their other addresses ASAP. ( See attachments ) I have not received goods or services on behalf of Midland Credit Management Inc. Proper documentation from Midland Credit Management Inc., was not provided to me, I have not provided a permissible purpose to Midland Credit Management Inc, and Midland Credit Management Inc, failed to verify the accuracy of their data before placing their account with the credit bureaus for unauthorized debt collection. ( MCM are not Holders in Due Course ) Midland Credit Management Inc. placed their account on my credit files on XXXX of XXXX Midland Credit Management Inc. are not honorable holders in Due course. No permissible purpose was granted to obtain my private information. 
According to the Master Account Sale Agreement dated XX/XX/XXXX / Bill of Sale : XXXX XXXX of Midland Credit Management Inc purchased the alleged debt from Seller XXXX XXXX XXXX XXXX XXXX XXXX  ID # : XXXX. This contractual agreement has nothing to do with me. ( see attachments ) Notice dated XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX is aware Midland Credit Management Inc., are not Holders in Due Course while continuing to use unsettling terms such as : Final notice, attorney review planned, pre-legal department, demand, your account, resolve, attorney in the state of Georgia, lawsuit filed against you, court costs, garnish your wages, seek to obtain a judgement, post judgement interest charges, obtain a lien against your qualifying property, garnish your bank account ( s ), and obtain information about your assets.

Midland Credit Management Inc., is a debt collection company with no valid contractual agreements who obtained my private information to damage my credit files, my reputation, and are aiming to force me to tender a debt they have no first-hand knowledge of. Midland Credit Management Inc. was recently exposed publicly due to their unfair tactics and debt collection practices. ( see attachments ) Midland Credit Management Inc., failed to provide signed contractual agreements between myself, Seller : XXXX XXXX XXXX XXXX XXXX ID # : XXXX, and Debt Buyer : XXXX XXXX of Midland Credit Management Inc. Kindly prove I have provided a permissible purpose to sell/ purchase the alleged debt on XX/XX/XXXX Midland Credit Management Inc. , failed to provide the misplaced information from their statement. See reverse side for important disclosure information. There is no information located on the reversed side of your demand for payment letter dated XX/XX/XXXX ( See attachments ) XXXX XXXX of Midland Credit Management Inc. obtained my social security number solely for the purposes of forcing me to tender a debt they have no first-hand knowledge of. I am the victim of these circumstances. 

I am formerly requesting XXXX XXXX of Midland Credit Management Inc., to provide authentic contractual agreements stating the equitable exchange of goods or services to me ; along with a permissible purpose to Midland Credit Management Inc., releasing my private information. 

I do not have a valid contractual agreement with XXXX XXXX XXXX  nor Midland Credit Management Inc. The purchase and selling of the alleged account does not involve me as I have not provided a permissible purpose releasing my private information to either party.

Company response to consumer: Closed with non-monetary relief