Consumer complaint received 2026-05-19 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: MI

Complaint narrative:
I received a letter from Midland Credit Management , Inc saying that XXXX XXXX XXXX XXXX authorized Midland Credit Management XXXX XXXX to settle a debt. First, you say I owe XXXX XXXX XXXX XXXX then you say you need my help to collect ; which one is it? Are you using false or misleading language because I have no clue what this debt is or where it came from. I can't believe XXXX authorized you to do anything because I have not given permission to share any information ; I'm not sure what implied consent they think they have! I will not be paying you or XXXX anything ! This compliant serves as my third notice to request validation of the alleged debt. I sent you notice via certified mail, and you signed for it on XX/XX/year>. You have sent nothing that I asked for to prove your allegations against me. Since you were so quick to state that I owe something, be just ask quick to provide the information I previously requested plus the additional information that I want now. Did you prove that I owed XXXX 's anything before they supposedly authorized you to collect an alleged debt? WHERE'S the XXXX, I want your authorization to open the account? Where's the XXXX, I want it? Where's the original application, I want that too? I want the accounting, both the accounts receivable and accounts payable for the debt that I allegedly owe, do you have those records? Where is proof you sent the REGULATION F DISCLOSURES and other required disclosures since you allege I owe? I want a sworn affidavit verifying your claim against me with a hand signed invoice. I want a copy of the lawfully binding contract between us showing equal consideration and the lawfully binding contract between you and XXXX 's showing your authority to collect this alleged debt on their behalf. This is notice that I'm going to file suit since you have not proven any of the alleged claims you made against me. NEITHER YOU OR XXXX 'S HAVE MY CONSENT ; that authorized use of credit I received no consideration or benefit. You are claiming to be the creditor and will be held liable under TILA. You both are in violation of FDCPA for harassment and furnishing false and misleading information to other third parties without my consent. I have previously asked XXXX XXXX for accounting records for this alleged debt and they also have not provided the requested accounting records. This is notice that I refuse to pay either of you and to cease and desist any collection. You are to remove any information reported to the credit agencies that is damaging to my reputation and character. I believe this information is false, incomplete, inaccurate, unverifiable, misleading, and unauthorized. I believe XXXX XXXX and Midland Credit Management is purposely withholding the information I've requested while continuing to damage my good name. Have the credit agencies obtained any of this information to prove I owe this alleged debt before reporting information before aiding in my character XXXX? How would you like me to make allegations that you owe a debt and refuse to provide any proof? How would you like me to tarnish your name with those same allegations by reporting it to third parties? I demand the requested information immediately AND I am attaching my most recent request for information from Midland Credit Management. They should have no problem providing EVERYTHING that I am asking for since they claim they have been AUTHORIZED by XXXX XXXX to collect an alleged debt

Company response to consumer: Closed with explanation