Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To : Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : CEASE & DESIST ALL COMMUNICATION & COLLECTION ACTIVITY AND REQUEST FOR DELETION FROM CREDIT REPORTS Account # : [ XXXX ] To Whom It May Concern : This letter serves as your official CEASE AND DESIST notice regarding all communication, contact, and collection activity for the above-referenced account. In addition, this letter includes a formal request for deletion of this account from all consumer credit reporting agencies.

Midland Credit Management , Inc. is hereby ordered to immediately cease : calling, texting, emailing, or mailing me.

contacting my relatives, workplace, or any third party.

attempting to collect, threaten, intimidate, or coerce.

reporting, furnishing, or re-furnishing any inaccurate, unverifiable, or incomplete information to the credit bureaus.

engaging in any conduct that violates the Fair Debt Collection Practices Act ( FDCPA ) or Fair Credit Reporting Act ( FCRA ).

Your continued actions are unwanted, unauthorized, and may constitute violations of federal consumer protection laws. This letter represents a final and non-negotiable demand that Midland Credit Management immediately cease all communication.

REQUEST FOR IMMEDIATE DELETION FROM CREDIT REPORTS Under my rights granted by the Fair Credit Reporting Act ( FCRA ) specifically the provisions requiring accuracy, completeness, and full verification of any furnished informationI am formally requesting that Midland Credit Management : Delete/Remove the above account from all consumer credit reports ( XXXX XXXX XXXX  ) .

Cease reporting or re-reporting any information related to this account unless you possess complete, accurate, and fully verifiable documentation proving the accounts validity and your legal authority to collect or furnish such information.

Provide written confirmation of the deletion.

If Midland Credit Management can not produce full documentation proving ownership, chain of title, balance accuracy, and legal right to furnish this data, the FCRA requires that the information be corrected or deleted.

FDCPA NOTICE CEASE & DESIST Under 15 U.S.C. 1692c ( c ), once you receive this notice, you may not contact me again except for : Written confirmation that you will no longer contact me.

Notice of specific legal action you actually intend to take.

Any unauthorized communication will be treated as an intentional violation.

FAILURE TO COMPLY If you do not comply, I am prepared to file complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office Additionally, I will consider pursuing civil remedies for statutory damages for each documented violation.

I am keeping detailed records of all communication and credit reporting activity related to this account.

This is your final notice. Comply immediately.

Company response to consumer: Closed with non-monetary relief