Consumer complaint received 2025-07-08 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:
Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Complaint Against Midland Credit Management , Inc. ( MCM ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I. Introduction I am writing to file a formal complaint against Midland Credit Management , Inc. ( " MCM '' ) regarding their attempt to collect an alleged debt, which I believe is both invalid and unsupported by credible, admissible evidence. I contend that MCM has neither demonstrated standing to collect the alleged debt nor provided any valid proof that I owe the amount they claim. 

XXXX. Summary of the Complaint Lack of Standing to Collect the Debt : I assert that Midland Credit Management , Inc. does not have the legal standing to collect this alleged debt. They have failed to provide any documentation proving that they own the debt or that they have been assigned the debt by the original creditor.

To date, MCM has not provided any valid, binding legal documentation establishing their ownership of the alleged debt or their right to pursue collection. Specifically, they have not presented : An original signed contract with me.

A valid assignment, transfer agreement or purchase agreement from the original creditor to MCM.

Hearsay and Inadmissible Evidence : MCM has provided evidence that I believe constitutes hearsay and is inadmissible under relevant laws and regulations. For example : The evidence they submitted included a statement from the original creditor that was not properly authenticated or verified. 

The statements and documents provided were not signed or otherwise validated by someone with personal knowledge of the debt or the alleged transactions. 

These materials should not be considered credible evidence for the purpose of debt collection, as they lack the necessary authenticity and legal foundation to prove that I owe this debt. 

Failure to Respond to My Requests : I have requested validation of the debt in writing, as permitted under the Fair Debt Collection Practices Act ( FDCPA ), but Midland Credit Management , Inc. has failed to provide a timely and adequate response. Their responses have been vague, incomplete, and non-substantive, lacking any concrete documentation.

III. Request for Investigation Given the issues outlined above, I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate the actions of Midland Credit Management , Inc. regarding this alleged debt. Specifically, I ask the CFPB to : Investigate whether Midland Credit Management , Inc. has provided sufficient and legally admissible evidence to prove they have standing to collect this alleged debt.

Examine whether the documents provided by Midland Credit Management , Inc. are hearsay, inadmissible, or otherwise fail to meet the standards for debt validation under both the FDCPA and state law.

Take appropriate action if Midland Credit Management , Inc. has violated any laws or regulations related to debt collection practices, including but not limited to the FDCPA. 

IV. Conclusion I believe that Midland Credit Management , Inc. has failed to comply with the law and has not provided proper evidence to justify their claim of a debt owed by me. I ask that the CFPB take prompt action to resolve this matter and protect my rights as a consumer. 

Please confirm receipt of this complaint and let me know the next steps for resolution. I am happy to provide any further information or documentation as needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief