Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
This is a follow-up complaint to CFPB XXXX submitted on XX/XX/year> Re : Midland Credit Management Inaccurate Credit Reporting After Court-Ordered Dismissal Midland Credit Managements response contains a material factual error and misrepresents the legal status of this matter.

Midland asserts that the underlying court case was dismissed without prejudice and that the debt therefore remains collectible. This statement is objectively false and directly contradicted by the official court record, which I have attached. 

On XX/XX/year>, the parties executed a Stipulation to Dismiss expressly providing that the case was dismissed WITH PREJUDICE, that the stipulation resolves the final pending claim, releases both parties from any and all liability related to the matter, and closes the case in its entirety. 

On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX XXXX entered a Final Order, signed by the District Court Judge, confirming that : The case is dismissed WITH PREJUDICE The matter is fully resolved There are no further issues to be litigated The case is closed A dismissal with prejudice permanently extinguishes the claim and bars any future enforcement or litigation. As a matter of law, a claim dismissed with prejudice can not remain collectible, nor can it serve as the basis for continued collection activity or credit reporting.

Midlands statement that the account remains collectible is therefore legally inaccurate and misleading. This misrepresentation is especially concerning given that Midland simultaneously acknowledges that I have no further financial obligation. A consumer can not have no obligation while a collection tradeline continues to exist.

Additionally, Midlands own legal department acknowledged in writing on XX/XX/year>, that the credit reporting should and will be updated accordingly. Any internal division of authority between Midlands legal and credit reporting departments does not relieve Midland of its obligations as a furnisher under the Fair Credit Reporting Act to ensure that reported information is accurate, complete, and not misleading.

Reporting or maintaining collection tradelines tied to a court-dismissed claim misrepresents the legal status of the account and violates the FCRA. At minimum, the tradelines must be deleted, not merely ceased or delayed pending internal processing.

Requested Resolution I respectfully request that the CFPB require Midland Credit Management to : 1. Immediately notify XXXX, XXXX, and XXXX  to delete all collection tradelines associated with this court-dismissed matter ; 2. Provide written confirmation that deletion requests have been submitted ; and 3. Cease any representation that the account remains collectible.

The attached court documents conclusively establish that Midlands CFPB response is incorrect. Continued inaccurate reporting following a dismissal with prejudice constitutes ongoing consumer harm.

Company response to consumer: Closed with explanation