Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland Funding LLC placed a XXXX  on my property located at XXXX XXXX, XXXX, NH XXXX on XX/XX/XXXX, related to a fraudulent debt of {$1300.00}. The account was originally attributed to XXXX XXXX ( Account # XXXX ), supposedly opened in XX/XX/XXXX, I filed a CFPB complaint and they assured me it would be removed. IT HAS NOT! 

Follow-Up Statement to CFPB Regarding Midland Funding LLC I am submitting this follow-up to my original complaint to report that, despite Midland Funding LLCs acknowledgment that the account was fraudulent and subsequently closed, the XXXX  placed on my property by XXXX XXXX on Midlands behalf remains active . 
Midlands response indicated that they instructed XXXX XXXX to mail a copy of the XXXX  release, but I have yet to receive confirmation that the XXXX has been removed from official records or that the court has been notified. This delay continues to damage my property rights and financial stabilitylong after Midland admitted the debt was the result of identity theft and no longer valid. 
I have made multiple attempts to confirm the status of the XXXX with both Midland and XXXX, with no resolution. The lien was recorded with the XXXX NH XXXX XXXX XXXX on XX/XX/XXXX, while I was hospitalized in a VA XXXX program and unaware of any legal proceedings. Midlands failure to verify the debt or provide proper notice deprived me of due process and reflects continued negligence even after they were made fully aware of the identity theft in early XXXX. 
I request that the CFPB compel Midland Funding LLC to : XXXX. Provide immediate confirmation and proof that the XXXX has been released, including a court-stamped copy of the XXXX of XXXX XXXX ; XXXX. Issue a formal apology acknowledging the harm caused by their failure to act promptly after confirming the identity theft ; XXXX. Reassess their position regarding monetary damages, in light of the ongoing consequences to my property and financial standing. 
Midlands handling of this case continues to violate consumer protections, and I request full enforcement of their compliance obligations through both CFPB oversight and state-level licensing authorities, including the Massachusetts Division XXXX Banks Midland Funding LLCs negligence and failure to act in a timely and responsible manner has caused me immense and ongoing harm. I have invested over XXXX hours of my personal time trying to rectify a situation that stemmed from a fraudulent debt they acknowledged, and yet the lien they placed on my property remains unresolved. 
Because of this unresolved XXXX, Ive been unable to sell my property, resulting in the loss of thousands of dollars in potential profit, and the financial impact continues to grow every single day the XXXX remains in place. Beyond the financial toll, the emotional burden has been enormous, compounding the trauma Ive already endured as a XXXX veteran. The stress, uncertainty, and disrespect for my rights as a consumer are unconscionable. 
Midlands inaction is not just an administrative oversight, its a direct and ongoing violation of my rights, with measurable, escalating damage.

Company response to consumer: Closed with explanation