Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I am filing this complaint regarding Midland Credit Managements continued furnishing and verification of disputed credit information despite repeated disputes, reinvestigation requests, and requests for substantiation. This complaint involves two Midland Credit Management accounts that continue to be reported in connection with XXXX XXXX accounts. Accounts at Issue : Midland Credit Management Account : XXXX Original Creditor : XXXX XXXX Midland Credit Management Account : XXXX Original Creditor : XXXX XXXX XXXX, XXXX. In addition to Midland Credit Managements reporting, the underlying creditor tradelines and related reporting continue creating concerns regarding accuracy, completeness, ownership, and continued furnishing of disputed information. I have repeatedly disputed these accounts directly with Midland Credit Management, through the credit reporting agencies, and through prior CFPB complaints. Despite these disputes, Midland Credit Management continues furnishing and verifying these accounts without providing competent documentation sufficient to substantiate the alleged debts or the accuracy of the information being reported. My concerns include, but are not limited to : Failure to provide competent documentation supporting the alleged debts Failure to provide sufficient evidence establishing legal ownership and chain of assignment Continued furnishing and verification of disputed information after repeated disputes Possible failure to conduct a reasonable investigation as required under the Fair Credit Reporting Act Continued reporting of disputed information despite unresolved accuracy and substantiation concerns Potential duplicate or misleading reporting involving both the original creditor and debt buyer tradelines I received investigation results showing the accounts were verified and/or updated following disputes and reinvestigations, including investigation activity dated approximately XX/XX/year>. However, despite these verifications, Midland Credit Management has still failed to provide meaningful documentation sufficient to substantiate : The accuracy of the balances being reported The legal ownership of the alleged debts The completeness and reliability of the tradelines The procedures used during the investigation process My credit reports continue showing ongoing collection reporting and dispute activity. XXXX currently reports : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) and further states : This item was updated from our processing of your dispute in XXXX 2026. Despite Midland Credit Managements continued verification and furnishing activity, meaningful substantiation has not been provided. Additionally, concerns remain regarding whether the reporting being furnished by Midland Credit Management and the original creditors is complete, accurate, and compliant with the Fair Credit Reporting Act and XXXX XXXX reporting standards.

Company response to consumer: Closed with explanation