Consumer complaint received 2025-12-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
On XX/XX/year>, I sent Midland Credit Management , Inc. a certified, written debt validation request, disputing four alleged accounts and requesting proof of ownership, a complete accounting, and all documentation required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

A copy of my dispute letter and the certified mail receipt were included in the uploaded documentation.

Despite my lawful request, Midland Credit Management failed to provide : Proof of ownership or assignment from the original creditors ( XXXX XXXX XXXX XXXX XXXX  XXXX A complete accounting or itemization showing how the alleged balances were calculated A copy of any original signed agreement or contract bearing my signature Dates of charge-off, date of last payment, and original creditor addresses Instead, Midland sent form letters stating only that it had initiated a review, and enclosed generic billing statements allegedly from the original creditors. These documents do not demonstrate Midlands lawful ownership of the alleged debts, nor do they satisfy federal requirements for debt validation. 

These actions constitute violations of both the FDCPA and the FCRA, as detailed below.

A. FDCPA Violations 15 U.S.C. 1692g ( b ) Federal law is clear : when a consumer disputes a debt in writing, all collection activity must cease until proper validation is provided. Validation must consist of competent evidence, not merely restated balances or billing statements from unrelated entities.

Midland Credit Management failed to provide : A bill of sale, purchase agreement, or assignment linking my specific accounts to Midland A complete chain of title from the original creditors An itemization of interest, fees, or charges added after charge-off A signed contract or agreement creating liability Despite this failure, Midland continued collection activity and issued form responses without the legally required documentation. This conduct constitutes a clear violation of 15 U.S.C. 1692g ( b ).

B. FCRA Violations 15 U.S.C. 1681i and 1681s-2 ( b ) On XX/XX/year>, I notified XXXX XXXX XXXX XXXX  that XXXX Midland-reported accounts were inaccurate. The credit reporting agencies transmitted my disputes to Midland Credit Management. 
Upon receiving notice from the credit bureaus, Midland was legally required to : Conduct a reasonable investigation Review all relevant information provided Verify the accounts or request deletion Respond within the statutory time limits Midland failed to provide verification or proof of ownership and continued reporting the disputed accounts without resolution, in violation of : 1681s-2 ( b ) ( 1 ) ( A ) Duty to investigate 1681s-2 ( b ) ( 1 ) ( B ) ( E ) Duties to review, report results, correct, or delete inaccurate data 1681i ( a ) ( 1 ) ( A ) Requirement that disputes be resolved within 30 days Continuing to furnish unverified information after receiving notice of dispute constitutes furnishing inaccurate information under FCRA 623.

III. INSUFFICIENT VERIFICATION RESPONSES Following my certified dispute, Midland sent letters, These letters claim verification but fail to include legally required proof and instead enclose : Generic credit card billing statements Such documents do not constitute : Proof of legal assignment Verification of the alleged debt Proof that Midland has any lawful right to collect A copy of a contract or judgment as required under FDCPA case law ( Chaudhry v. Gallerizzo ) By resuming collection activity without full validation, Midland violated : FDCPA 1692g ( b ) FDCPA 1692e ( 2 ) False representation of the character or legal status of a debt FDCPA 1692e ( 8 ) Communicating inaccurate credit information FDCPA 1692f Unfair or unconscionable collection practices V. REQUESTED ACTION I respectfully request regulatory intervention to : Require Midland Credit Management to immediately remove the disputed accounts from all consumer reporting agencies until full legal validation is produced Investigate Midland Credit Management for : Failure to validate under the FDCPA Failure to conduct a reasonable investigation under the FCRA Continuing to furnish unverified and inaccurate credit information Order Midland to cease all collection activity until it is in full compliance with federal law.

V. ATTACHMENTS INCLUDED The uploaded documentation includes : Pages 12 : My original written dispute and validation request Certified mail receipt showing proper service Pages 2-4 : Midlands insufficient responses and generic billing statements These materials demonstrate that Midland Credit Management failed to provide lawful validation, continued collection activity, and failed to properly respond to credit bureau disputes .

CONCLUSION Midland Credit Management has violated my rights under the FDCPA and FCRA and continues to furnish unverified derogatory information. I respectfully request immediate intervention to enforce compliance, prevent further harm, and ensure the removal of inaccurate or unvalidated accounts.

Thank you for your prompt attention to this matter. 

Respectfully, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation