Consumer complaint received 2025-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing this complaint against Midland Credit Management , Inc. ( MCM ) due to their failure to properly validate a debt they claim I owe ( Account # XXXX ) and their continued reporting of this unverified debt on my credit report. I sent MCM debt validation requests on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). In my most recent letter ( dated XX/XX/XXXX ), I requested specific documentation to verify the debts legitimacy, including the complete chain of title, securitization status, original credit agreement with XXXX, XXXX, forward flow agreement, and proof of MCMs licensing in Florida under XXXX XXXX. XXXX. 

To date, MCM has not provided the requested documentation, only partial information ( e.g., the name and address of the original creditor, XXXX, XXXX, and a transfer date of XX/XX/XXXX ). Under 15 U.S.C. 1692g ( b ), MCM is required to cease all collection activitiesincluding credit reportinguntil they fully validate the debt. Their failure to do so violates the FDCPA. Additionally, their continued reporting of this unvalidated debt to credit bureaus breaches the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to ensure the accuracy of reported information and investigate disputes. In Florida, MCMs actions also violate the Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( 9 ), by attempting to enforce a debt they have not proven I legally owe. 

I have explicitly disputed this debt and requested written communication only, yet MCM has not complied with my validation demands. This ongoing reporting is damaging my credit score and causing me financial distress.

What I Want the Company to Do : I request that Midland Credit Management , Inc. : Immediately remove Account # XXXX from my credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ) due to their failure to validate the debt as required by law. 

Cease all collection activities on this account until they provide full and proper validation as outlined in my XX/XX/XXXX letter. 

Provide written confirmation of the accounts removal from my credit reports. 
Applicable Laws : FDCPA ( 15 U.S.C. 1692g ( b ) ) : MCM must validate the debt upon request and cease collection until validation is provided. Their failure to respond fully is a violation.

FCRA ( 15 U.S.C. 1681s-2 ) : MCM, as a furni
sher, must ensure the accuracy of credit reporting and investigate disputes. Reporting an unvalidated debt is inaccurate and unlawful.

FCCPA ( Fla. Stat. 559.72 ( 9 ) ) : MCM is prohibited from attempting to collect a debt they know or should know is not legitimate without proof of ownership and my obligation. 

Supporting Evidence : I can provide copies of my validation request letters dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. MCMs lack of response is evident from their failure to supply the requested documents.

Company response to consumer: Closed with explanation