Consumer complaint received 2025-07-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent a letter of demand 45 days ago and have not received a response. As of today I sent an online dispute to Midland and 3 credit agencies. 

Letter Sent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | DOB : XX/XX/XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX California XXXX NMLS ID XXXX XXXX Date XXXX XXXX XXXXXX/XX/XXXX Subject : Formal Dispute Request for Immediate Deletion of Unverified and Inaccurate Collection Account ( Midland Credit Management Acct. * XXXX ) ( Original creditorXXXX XXXX XXXX XXXX. 
Merchant or service provider- Original account XXXXXXXX XXXX XXXX XXXX XXXXmidlandcredit.XXXX To Whom It May Concern : This letter serves as a formal dispute of the inaccurate and unverifiable information appearing on my credit report issued by XXXX prepared on XX/XX/XXXX ( Confirmation # XXXX ). 

The specific entry in question is as follows : - Company Name : Midland Credit Management - Account Number ( Partial ) XXXX XXXX XXXXXXXX - Reported Balance : {$620.00} - Date Opened : XX/XX/XXXX - DOFD : XX/XX/XXXX This alleged account violates multiple provisions under federal consumer protection laws : VIOLATIONS OF FEDERAL LAW 1. Failure to Verify Accuracy Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), a credit reporting agency is required to verify the completeness and accuracy of disputed information. I have no record of this account, and the furnisher ( Midland ) has failed to provide the original contract or complete chain of custody from the original creditor. 

2. Reporting Incomplete Information Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are legally required to report accurate and complete data. This item lacks : - Original creditor name - Accurate date of first delinquency - Proof of validation or authorization to collect 3. Potential Re-Aging This account may be re-aged in violation of FCRA 605 ( c ) and FTC guidance. Any effort to restart the 7-year reporting clock from the original delinquency date XXXX XXXX  ) is a serious legal breach. 

4. Debt Buyer Reporting Without Validation Midland Credit Management is a known debt buyer, not the original creditor. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, they are required to provide complete validation of the debt upon request. No such documentation has been furnished to me. 

DEMAND FOR ACTION As this entry is : - Unverified - Incomplete - Reported by a third-party debt buyer without validation - Possibly re-aged to illegally prolong derogatory reporting I demand its immediate and permanent deletion from my credit file pursuant to the FCRA and FDCPA. 

Please send written confirmation that this item has been removed. If you continue to report unverifiable or inaccurate information, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney General. 

Sincerely, XXXX XXXX XXXX Sent Enclosures : - Copy of government-issued ID - Copy of recent utility bill - Credit report highlighting disputed item

Company response to consumer: Closed with explanation