Consumer complaint received 2026-03-04 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: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XX/XX/XXXX XXXX DC XXXX Subject : Formal Complaint Failure to Validate Debt and Inaccurate Credit Reporting To Whom It May Concern, I am submitting this complaint regarding Midland Credit Management for reporting and attempting to collect an alleged debt that has not been properly validated. Collection Agency : Midland Credit Management Account Number : XXXX Original Creditor : The Bank XXXX Missouri Amount Claimed : {$1400.00} Date Placed in Collections : XX/XX/XXXX Last Verified Date Reported : XX/XX/XXXX I formally dispute this account in its entirety and do not acknowledge liability for the alleged debt. Despite reporting this account to the credit reporting agencies, Midland Credit Management has failed to provide sufficient documentation verifying the debt and their legal authority to collect it. Reporting information that can not be verified may constitute inaccurate credit reporting. Under the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX ), a consumer has the right to request validation of an alleged debt. Additionally, under the Fair Credit Reporting Act, information furnished to credit reporting agencies must be accurate and verifiable. I am requesting that Midland Credit Management provide the following documentation : XXXX. A copy of the original signed agreement or contract bearing my signature with the original creditor that created the alleged debt. XXXX. The name and address of the original creditor and the original account number. XXXX. A complete and detailed itemization of the amount claimed, including principal, interest, and any fees. XXXX. Documentation demonstrating Midland Credit Managements legal authority to collect this debt. XXXX. A complete chain of title showing the transfer or assignment of the debt from the original creditor to Midland Credit Management. XXXX. Documentation verifying the accuracy of the balance being reported. XXXX. Evidence that the debt is within the applicable statute of limitations. At this time, Midland Credit Management has not provided sufficient evidence to support the validity of this alleged debt. If Midland Credit Management can not provide the requested documentation, then the continued reporting of this account may constitute the reporting of inaccurate and unverified information. Therefore, I respectfully request that the Consumer Financial Protection Bureau require Midland Credit Management to : Provide full validation of the alleged debt, or Immediately delete this account from all credit reporting agencies if they can not provide the requested documentation. Additionally, I request that all collection activity cease until the debt has been properly validated. Please investigate this matter and require Midland Credit Management to comply with all applicable federal consumer protection laws. I request written confirmation of the results of this investigation.

Company response to consumer: Closed with explanation