Consumer complaint received 2026-04-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Credit Management , Inc. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX RE : Formal Dispute of Unrecognized Accounts Appearing on My Credit Report To Whom It May Concern : I am writing to formally dispute three ( 3 ) accounts that are currently being reported under my name and/or Social Security number on my credit report, all attributed to Midland Credit Management , Inc . I do not recognize these accounts, have never authorized their creation, and have no knowledge of ever entering into any agreement with your company. These accounts do not belong to me. Disputed Accounts : Account # 1 Creditor : Midland Credit Management , Inc. Date Reported : XX/XX/XXXX Amount : {$1000.00} Reason for Dispute : I have no knowledge of this account and never authorized its creation. Account # 2 Creditor : Midland Credit Management , Inc. Date Reported : XX/XX/XXXX Amount : {$650.00} Reason for Dispute : I have no knowledge of this account and never authorized its creation. Account # XXXX Creditor : Midland Credit Management , Inc. Date Reported : XX/XX/XXXX Amount : {$650.00} Reason for Dispute : I have no knowledge of this account and never authorized its creation. Request for Account Verification : Because I have no record of any of these accounts, I am requesting that you provide the following for each account as part of your verification : 1. The full account number associated with each alleged debt ; 2. The date each account was opened ; 3. The name and address of the original creditor for each account ; 4. A copy of the original signed application or agreement bearing my signature ; 5. A complete payment and transaction history for each account ; and 6. Any documentation used to verify my identity at the time each account was opened. Legal Basis for This Dispute : 1. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( Validation of Debts ) : I am exercising my right to request written verification of these alleged debts. You are required to cease all collection activity and provide complete verification within 30 days of receiving this notice. If you can not verify any of these debts, you must cease all collection efforts and have the items removed from my credit report. 2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( Disputed Accuracy ) : You are required to conduct a reasonable investigation of this dispute within 30 days. If the information can not be verified, it must be deleted from my credit file and I must be notified of the results. 3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( Responsibilities of Furnishers ) : As a furnisher of credit information, you are prohibited from reporting information you know or have reasonable cause to believe is inaccurate. Upon receiving this dispute, you must investigate and, if the information is unverifiable, correct or delete it and notify all relevant credit bureaus. 4. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c-2 ( Identity Theft Block ) : If any of these accounts are the result of identity theft or fraud, consumer reporting agencies are required to block their reporting within 4 business days of receiving a valid identity theft report and supporting documentation. 5. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( False or Misleading Representations ) : Any attempt to collect debts that are not owed, or to misrepresent the character, amount, or legal status of a debt, is a violation of the FDCPA. Continued collection efforts on these disputed accounts may expose Midland Credit Management , Inc. to legal liability. Formal Demands : In accordance with the above-cited federal laws, I hereby demand that you : 1. Immediately cease all collection activity related to all three ( 3 ) disputed accounts ; 2. Provide full written verification of each alleged debt, including account numbers and original signed agreements ; 3. Provide the name and address of the original creditor for each account ; 4. Remove all three ( 3 ) disputed accounts from my credit report with XXXX XXXX XXXX XXXX if verification can not be provided ; and 5. Provide written confirmation once all disputed information has been corrected or removed. Please be advised that I am maintaining a complete record of all correspondence related to this matter. If I do not receive a satisfactory response within 30 days, I reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General 's office, and to pursue all available legal remedies, including statutory damages under 15 U.S.C. 1692k ( FDCPA ) and 15 U.S.C. 1681n1681o ( FCRA ). I expect your prompt attention and a written response within the legally required timeframe. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief