Consumer complaint received 2026-01-29 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: OH

Complaint narrative:
To Whom It May Concern, This letter serves as a formal complaint, a request for validation, and a cease-and-desist notice against Midland Credit Management The account referenced was purchased by a third-party debt collector ( Midland Credit Management ) and the information they are reporting is inaccurate and incomplete. According to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute this information and demand that you : 1. Cease and desist all collection activities and communication with me regarding this debt. 2. Provide full validation of this debt, including : o Proof of the original agreement obligating me to pay Midland Credit Management. A copy of the contract or agreement containing my signature. o Proof of the amount the collection company paid to purchase this debt. o All account records related to this debt. The status, amount, and details of this account are incorrect and inaccurate, as demonstrated by the discrepancies on my attached credit reports. I also have no agreement or obligation to pay Midland Credit Management I am also request the complete file of this debt including in and all records of how much this debt was purchased for. This violates the FCRA, which ensures that all reported information must be accurate and complete. Under the FCRA and FDCPA, you are legally required to : Remove any inaccurate information from my credit report immediately. Refrain from reporting this debt unless you can provide proper validation. This letter constitutes a valid dispute, a formal complaint, and a legal notice that I am prepared to take further action, including filing a lawsuit, if necessary. Failure to comply will result in legal escalation. For reference, here is the disputed account information : incorrect Account Number : XXXX and fake account created by MCM number XXXX Incorrect Amount : {$1300.00} You are hereby instructed to delete this account immediately from all credit reporting agencies and cease all further contact with me unless providing the requested validation. Thank you, Furthermore, I am deeply concerned that the limited information your company possesses about me may have been obtained illegally or without proper authorization. Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), debt collectors must ensure that any personal information they acquire is obtained lawfully and used responsibly. The lack of proper validation for this debt raises serious questions about how your company came into possession of my data. If this debt is sold or transferred to another third party, I will have no choice but to assume that my personal information was unlawfully distributed by your company, constituting a direct violation of the FCRA, the Gramm-Leach-Bliley Act ( GLBA ), and other federal laws protecting consumer privacy. Should this occur, I will take immediate legal action to protect my rights and hold your company accountable for any unauthorized use or distribution of my information. Note : Attached is also a statement that is false and generated by their company also notice they havent even provided a complete account number.

Company response to consumer: Closed with explanation