Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
XXXX XX/XX/2025 Midland Credit Management XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Debt Collection and Invalid Address ; Account Number : XXXX Dear Midland Credit Management, I am writing in response to your Consumer Financial Protection Bureau ( CFPB ) response dated XX/XX/2025, regarding the account that you are attempting to collect. While I acknowledge receipt of your communication through the Consumer Financial Protection Bureau ( CFPB ), I must bring to your attention several important legal considerations related to the invalid address to which you have sent correspondence. 

As per the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ), you are required to send a validation notice to the correct address. According to your Consumer Financial Protection Bureau ( CFPB ) response, you did not once state that a validation notice was sent to me. Also, you fail to address the fact that the original creditor provided you all with an incorrect or outdated address as I have provided the up to date address with my initial complaint. Since I did not receive the initial validation notice due to the incorrect address on file, I know this violation invalidates your attempts to collect this debt. 

The FDCPA mandates that all communication be sent to a valid, updated address, and it also provides protections for consumers when they do not receive proper notice. Failure to send notices to the correct address could render any subsequent attempts to collect or report the debt unlawful. In addition, the Consumer Financial Protection Bureau ( CFPB ) guidelines emphasize that all communication must be directed to the correct address to ensure the consumer 's rights are not infringed upon. 

Additionally, as per the Fair Credit Reporting Act ( FCRA ), Section 605 ( a ), the agency must ensure accurate reporting of any debt. If the information provided is based on an address that I do not use or is incorrect, it can be argued that this information is inaccurate, and you have an obligation to correct or remove it from any credit reporting.

For these reasons, I request that you immediately : Provide me with the confirmation of the correct address you are using for me, including any update to my address records in your system.

Resend any documentation related to this debt to my current, correct address.

Cease reporting this debt as valid until you can ensure the correct information has been communicated to me and my rights have been properly upheld.

Please respond to me in writing within 30 days to resolve this issue. I would also like to inform you that since the incorrect address issue has not been resolved and you continue with improper practices, I have filed formal complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and my states Attorney Generals office.

Thank you for your prompt attention to this matter. I look forward to your response and resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation