Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
To : Midland Credit Management XXXX XXXX. 
Subject : Formal Cease and Desist Demand Immediate Permanent Deletion from All Credit Bureaus Notice of Imminent Legal Action Dear Midland Credit Management Compliance Department, This letter serves as formal notification under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ) and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., demanding that Midland Credit Management XXXX XXXX immediately and permanently cease all collection activity and delete all accounts and tradelines associated with your company from my consumer credit reports. 

Specifically : 1. You are ordered to permanently delete any and all references to Midland Credit Management XXXX XXXX from my credit reports with XXXX XXXX XXXX XXXX 
2. You are directed to immediately cease and desist all forms of contact, whether direct or indirect, including but not limited to credit reporting. 
Credit reporting is legally considered continued collection activity and constitutes unlawful contact once a cease and desist request has been made. 
3. You must close any and all alleged accounts and acknowledge cessation of any and all collection activities in writing.

Your continued reporting of disputed, inaccurate, and unverifiable information has caused severe harm to my financial status, emotional wellbeing, and personal life. Your actions are reckless, willful, and constitute harassment under the FDCPA and FCRA.

If you fail to comply with this final notice, I am prepared to take immediate legal action against Midland Credit Management , XXXX, seeking : Statutory damages under the FDCPA and FCRA, Actual damages for harm caused to my credit standing and financial opportunities, General damages for emotional distress and reputational harm, Punitive damages for willful and malicious noncompliance, All legal costs, including attorneys fees. 

Additionally, I have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and am preparing complaints to the Federal Trade Commission ( FTC ) and my State Attorney General. 

You are hereby placed on notice. 
If within fifteen ( 15 ) calendar days of your receipt of this notice you do not : Permanently remove all references to Midland Credit Management from all credit bureaus, Provide written confirmation of account closure and deletion, Cease all collection-related activities, then formal litigation will commence immediately without further communication. 

I demand full compliance without excuse or delay. 
Furthermore I am filing a formal complaint against Midland Credit Management XXXX XXXX for unlawful collection activities, harassment, and willful violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Midland Credit Management has repeatedly furnished inaccurate and unverifiable information to the consumer reporting agencies despite multiple attempts to resolve the matter. 

Their continued reporting constitutes illegal communication and harassment under federal law and has caused significant emotional and financial distress. 

I demand the immediate and permanent removal of all Midland Credit M

anagement accounts from my credit reports, cessation of all collection activities, and full compliance with federal and state consumer protection laws.

Failure to act will result in legal proceedings against Midland Credit Management XXXX XXXX.

Company response to consumer: Closed with non-monetary relief