Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Formal Complaint and Dispute Against MIDLAND CREDIT MANAGEMENT FDCPA, FCRA, and IRS Reporting Violations with Request for Compensation To Whom It May Concern, I am writing to file a formal complaint and dispute regarding a collection account currently being reported and pursued by MIDLAND CREDIT MANAGEMENT, with whom I already have an active dispute on file. Despite this, the company has initiated a new collection account against me for an alleged debt they claim to own. This action is being taken while the prior matter remains unresolved, which creates confusion, XXXX  and unlawful pressure. 

Nature of the Complaint : 1. Duplicate Collection Activity While Under Investigation : Despite an open and active dispute already being handled by your office, MIDLAND CREDIT MANAGEMENT has begun pursuing a new collection action against me. This constitutes harassment and bad-faith conduct, as it interferes with my right to a fair dispute process.

2. Date Manipulation / Re-aging of Debt : The company appears to have changed the date of last activity or re-aged
the alleged debt in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits furnishing obsolete information or artificially extending the reporting period of a debt.

3. Failure to Issue 1099-C : If the original creditor deemed this debt uncollectible and charged it off ( especially over {$600.00} ), they are required to file a Form 1099-C with the IRS and provide a copy to me under 26 U.S. Code 6050P. I have received no such form, and the current collector has failed to validate the status of the debt.

4. Violations of the Fair Debt Collection Practices Act ( FDCPA ) : The following sections of the FDCPA ( 15 U.S.C. 1692 ) appear to have been violated : - 1692d : Harassment and abuse pursuing multiple simultaneous disputes.

- 1692e : Use of false, deceptive, or misleading representations.

- 1692g : Continuing collection efforts without proper validation.

Relief Requested : 1. Immediate cessation of all collection activity by MIDLAND CREDIT MANAGEMENT related to this and any other unresolved dispute.

2. Removal and suppression of this item from all credit reporting agencies ( XXXX XXXX XXXX  ).

3. A formal written statement from the company dismissing the alleged debt and confirming that no further collection attempts will be made.

4. Assurance that the debt has not been re-aged or misreported.

5. An investigation into their ongoing pattern of harassment and non-compliance.

6. Compensation in the amount of {$1000.00} for statutory damages as allowed under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ), due to the repeated violations of my rights under the FDCPA, including harassment, emotional XXXX and willful non-compliance.

I am feeling harassed, singled out, and emotionally XXXX by this conduct, and I demand your immediate attention and action in this matter.

Please confirm receipt of this complaint and advise me of the steps being taken to address it.

Company response to consumer: Closed with non-monetary relief