Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> Midland Credit Management , Inc . 
Attn : Chief Compliance Officer XXXX. XXXX XXXX XXXX XXXX, CA XXXX Re : Account # XXXX XXXX Compliance Request for Removal To Whom It May Concern : This letter serves as my formal notice of dispute regarding the reporting of the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the XXXX XXXX Credit Reporting Resource Guide ( CRRG ) standards for data furnishers.

The current reporting of this account contains factual and compliance errors under XXXX XXXX reporting standards and FCRA 623 ( a ), which require that all furnished information be accurate, complete, and in proper format. Specifically : Account Status Misreporting According to the XXXX XXXX CRRG, an account reported as Placed for Collection must reflect an accurate and verifiable Date of First Delinquency ( DOFD ). The DOFD for this account has not been verified or disclosed to me as required under FCRA 623 ( a ) ( 5 ).

Duplicate Remarks The remark Account information disputed by consumer appears multiple times in the tradeline. XXXX XXXX standards prohibit redundant dispute coding and require the dispute condition code to be applied accurately and singularly ( Com

pliance Condition Code XB when in dispute ). This redundancy constitutes inaccurate reporting. Incomplete Original Creditor Identification The listing shows Original creditor name : Midland Credit Management Inc. However, Midland Credit Management is a debt buyer, not the original creditor. XXXX XXXX requires the actual original creditors name and identifying information. This is a compliance error under FCRA 623 ( a ) ( 1 ) ( A ). 

Failure to Update During Dispute Under XXXX XXXX standards and FCRA 623 ( a ) ( 3 ), a furnisher must report the account as in dispute and suppress certain data fields until the dispute is resolved. This tradeline reflects ongoing updates without the proper dispute coding structure, violating this standard. 

Because these violations render the reporting of this account factually inaccurate and non-compliant with federal law and XXXX XXXX requirements, I am requesting immediate deletion of the tradeline from all consumer reporting agencies to avoid continued furnishing of inaccurate data. 

Please provide : Written confirmation of deletion sent to me and all consumer reporting agencies to which you have furnished this account. 

The name and contact information of the person responsible for handling XXXX XXXX compliance at Midland Credit Management. 

All documentation you claim supports the current reporting, including the original creditor agreement and complete payment history from inception. 

If Midland Credit Management continues to report this account without correcting the identified XXXX XXXX compliance failures, I will have no choice but to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and the Federal Trade Commission ( FTC ), and to pursue all available remedies under FCRA 616617.

I expect your written response within 30 days of receipt of this letter, as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation