Consumer complaint received 2026-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Complaint Against : Midland Credit Management Subject : Failure to Validate Debt, Continued Collection Activity, and Improper Credit Reporting Complaint : I am submitting this complaint regarding Midland Credit Managements handling of an alleged XXXX credit card account. Since XXXX XXXX XXXX, I have sent multiple written requests for debt validation in accordance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. These requests were sent via certified mail with signature confirmation. I have proof that Midland Credit Management received and signed for these letters sent via USPS certified mail with signature confirmation on at least four separate occasions. In each of these letters, I requested verification of the alleged debt, including documentation sufficient to establish : - That the debt is valid and accurate - That Midland Credit Management has legal standing to collect - A complete accounting of the amount claimed Despite receiving and signing for these requests, Midland Credit Management has failed to provide proper validation of the debt. Instead, they have continued collection activity, including pursuing legal action, without first validating the debt as required. In addition to directly disputing the debt with Midland, I have also submitted disputes with each credit reporting bureau on XXXX XXXX XXXX. Midland reported that the account was accurate to each agency despite having received prior written disputes and failing to provide proper validation. Additionally, Midland Credit Management has reported this alleged debt to consumer reporting agencies. This is particularly concerning because : - The debt has been formally disputed multiple times in writing - They have failed to provide validation - They have continued reporting without adequately resolving the dispute This conduct appears to violate the FDCPA by continuing collection efforts without validation, and the FCRA by reporting and/or verifying disputed information without conducting a reasonable investigation. As a result of their actions, a derogatory mark has been placed on my credit report, which is causing harm to my financial standing. Requested Resolution : I am requesting that Midland Credit Management : 1. Provide proper validation of the alleged debt, including full documentation establishing their legal right to collect 2. Cease all collection activity until such validation is provided 3. Remove any negative credit reporting related to this account from all consumer reporting agencies 4. Confirm in writing that the account has been corrected or deleted 5. Conduct a full internal review of their handling of this matter to ensure compliance with federal law If Midland Credit Management is unable to provide proper validation, they should immediately cease all collection efforts and delete the tradeline from my credit reports. I am prepared to provide copies of all certified mail receipts, signed delivery confirmations, and correspondence upon request. Timeline Summary : - Multiple certified validation requests sent beginning XXXX XXXX XXXX XXXX Proof of receipt via signed certified mail ( four separate occasions ) - No proper validation provided - Continued collection activity and credit reporting despite disputes - XXXX XXXX XXXX XXXX Served with lawsuit/summons by Midland Credit Management regarding this alleged debt. A formal response to this lawsuit has been filed. I am requesting that this matter be investigated and resolved promptly. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation