Consumer complaint received 2025-08-06 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:
I've received a copy of my credit report, and MIDLAND CREDIT MANAGEMENT is claiming! have an account with them, or I owe them something. I'm a victim of Identity theft and I have never entered any business arrangement, and I have never signed any contract to conduct any kind of business with MIDLAND CREDIT MANAGEMENT. Also, because they are a 3rd party collector, they should have no permission to furnish any information on my credit report in the first place. The law states that before you collect any information about me, you must get my authorization to access my credit report for any reason. MIDLAND CREDIT MANAGEMENT didn't do that at first, and there's no way I would ever have given a slimy collection company permission to slander me on my credit reports. There company is reporting a collection account as an open account with 30 days late is a violation of the law as well. A Collections account can not have a " OPEN STATUS '' as a creditor account. Here 's the law in case you have never read it before. ( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. ( iii ) in the case of consent under clause ( i ) or ( li ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person. 
Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand Certified Debt Validation, A copy of METHOD OF VERIFICATION, and IRS 1099-C Letter from you. I'll break it down very easily for you. But know this, should you fail to provide each and every thing I request from you, and don't worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which you've submitted this unverified and un-validated information. This is a request of PROOF OF CONTRACT to substantiate your claim. Therefore, you'll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature not a fraudulent application submitted on my behalf, Especially Naming MIDLAND CREDIT MANAGEMENT as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me. * Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ). You will also need to provide the following : 1.Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. I have never resided at any addresses that they have given me a print of statements with different addresses every month.

Company response to consumer: Closed with non-monetary relief