Consumer complaint received 2025-09-04 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: CA

Complaint narrative:
Midland Credit Management ( Furnisher ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Re : Debt Validation Demand Accounts XXXX, XXXX, XXXX Dear Compliance Officer, I am formally disputing the accuracy and legality of the following accounts you report on my XXXX file : Account # Original Creditor Balance Date Opened Status XXXX XXXX XXXX XXXX  {$440.00} XX/XX/XXXX Collection Past due XXXX XXXXXXXX XXXX XXXX {$440.00} XX/XX/XXXX Collection Past due XXXX XXXX XXXX  {$720.00} XX/XX/XXXX Collection Past due On XX/XX/XXXX, I requested validation of these debts. You failed to provide the legally required information. You are now in violation of FDCPA 809 ( b ) and Reg F 1006.34, which requires a full validation notice including itemization from the itemization date. 

Required Validation Provide the following for each account : Complete itemization of balance from the itemization date, showing interest, fees, payments, credits.

Proof of ownership and chain of title from the original creditor to Midland.

A copy of the original signed agreement creating liability. 

Documentation of any communications or billing statements from the XXXX. 

Legal Authority & Demands Collection Pause : You must cease reporting/collecting until validation is provided. 

Deletion Requirement : If you can not validate, you must request deletion from all CRAs. 

CFPB Enforcement : The CFPB has required deletion of unverified information and has fined collectors billions for FDCPA/FCRA violations. 

Your e-OSCAR/ACDV code response is not a reasonable reinvestigation under FCRA 611. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ). Furnishers notified of a dispute must conduct a reasonable investigation under 623 ( b ) ; see XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXXXXXX. The CFPB has warned that CRAs/furnishers must forward and review all relevant information, not rely on automated protocols ( Circular XXXX ). Provide your Method of Verification, including all ACDV/AUD codes, documents reviewed, and names/titles of investigators or delete the tradeline as unverifiable. 

Failure to comply will result in CFPB, FTC, and XXXX Attorney General complaints, plus civil remedies under FCRA 616617 and FDCPA damages. 

Respectfully, XXXX XXXX XXXX Letter XXXX To XXXX  ( CRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute Midland Credit Management Accounts ( XXXX, XXXX, XXXX ) Dear XXXX  Dispute Department, I am disputing the accuracy, completeness, and legality of the following Midland Credit Management tradelines : Account # Creditor / Original Creditor Balance Date Opened Status XXXX XXXX XXXX XXXX XXXX XXXX {$440.00} XX/XX/XXXX Collection Past due XXXX XXXX XXXX XXXX XXXX XXXX  {$440.00} XX/XX/XXXX Collection Past due XXXX XXXX XXXX XXXX XXXX  {$720.00} XX/XX/XXXX Collection Past due I requested validation from Midland on XX/XX/XXXX. They failed to provide the required validation package ( itemization + chain of title ). These accounts are therefore unverifiable and must be deleted.

Legal Authority FCRA 602, 607 ( b ) : CRAs must ensure maximum possible accuracy.

FCRA 611 ( a ) : Reasonable reinvestigation within 30 days ; unverifiable info must be deleted.

FCRA 611 ( a ) ( 7 ) : I am entitled to a full Method of Verification.

FCRA 623 ( b ) : Furnishers must properly investigate disputes.

CFPB Guidance : CRAs can not rely solely on e-OSCAR code verifications ; they must forward all relevant info and require documentation from furnishers.

Your e-OSCAR/ACDV code response is not a r
easonable reinvestigation under FCRA 611. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. ). Furnishers notified of a dispute must conduct a reasonable investigation under 623 ( b ) ; see XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The CFPB has warned that CRAs/furnishers must forward and review all relevant information, not rely on automated protocols ( Circular XXXX ). Provide your Method of Verification, including all ACDV/AUD codes, documents reviewed, and names/titles of investigators or delete the tradeline as unverifiable.

CFPB Enforcement Context The CFPB has reported : Over XXXX XXXX credit reporting complaints ( the # XXXX category ). 

Billions in penalties against furnishers/CRAs for inaccurate reporting. 

That unverified debts must be deleted ( official CFPB position ).

If these Midland accounts are not deleted, I will escalate through a CFPB complaint, which requires XXXX  written response within 15 days. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief