Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland credit management, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX california XXXX REQUEST OF VALIDATION THROUGH CERTIFIED MAIL HAVE BEEN DENIED BY MIDLAND CREDIT MANAGEMENT. THEY REPORT NEGATIVELY TO THE CREDIT BUREAUS WITH NO FEAR OF CONSEQUENCE. THEY MAKE FALSE CLAIMS IN CORRESPONDING LETTERS. THEY THREATEN LITIGATION UNDER FALSE PRETENSES. 
XX/XX/year> i received a " pre-legal notice for non-payment of debt '' letter from midland credit management XX/XX/year> i responded to midland credit management asking for validation including any and all documents that prove that their claim is valid XX/XX/year> midland credit management sends me a packet with no evidence bearing my signature in any form. this packet incudes a partial account number, a disclosure agreement that does not have my name on it, and several papers that look like a balance statement of some sort that looks to also be a blank transaction record on each page. 4 pages of blank tansaction pages. they just show interest accumulated on a number they claim i oweXXXX XXXX i respond with another certified letter. i again send a validation request letter. this time i include the laws made pusuant to fair debt collection practicesand fair credit reporting act, along with corresponding local and state laws.i also informed them of the legal consequences of false reporting to the credit bureus without first validating the debt. i attemted to correct their records and notified them that anything i receive will be used as evidence should any further action be necessary. 
XXXX receive from midland credit management, a letter that states " important notice, attorney reveive pending '' in all capital letters in red as to threaten me. it states " this balance will not go away on its own. despite multiple attempts to reach you and resolve this matter, you have not shown willingness to resolve this involuntarily. your continued failure to work with us may result in this account going to an attorney for possible litigation. we are still willing to accept a payment pan to bring this account to a resolution, but your time is limited. '' there is more of that type of language in regards to what an attorney will do as well. 
XX/XX/year> i again send a certified letter. it is a full page outlining their obligations, their failures, ftc opinion letter from XXXX XXXX XXXX, consequences they may face, and disclosure that i will be making a detailed report with my evidence to the proper agencies like FTC, CFPB, ATTORNEY GENERAL and XXXX XXXX XXXX XXXXXX/XX/year> midland reported to the credit bureaus that they are the original creditor of a {$5600.00} balance owed to them by me and it is being reported as " in collection '' XX/XX/year> i receive a letter from midland claiming that they have checked their records and that their information is correct. they included the same incompetent letters as they did on XX/XX/year>. no evidence showing me that the alleged debt is in fact mine. 
upon checking my credit report, i also discovered that midland credit management has also reported to the bureaus that they are the original creditor. im very confused and mentally anguished by the deception of this company. they claim to be collecting a debt foXXXX XXXX XXXXXXXX and they are the original creditor at the same time? all the while they can not provide any documentation to validate the alleged amount due. it also looks like on several of the statements they sent to me, it ooks as if a payment was made in full and yet they returned it for for reason unknown. 
IN CONCLUSION, THIS ACCOUNT LOOKS FRAUDULENT BY THEIR OWN DOCUMENTS AND FAILURES TO VALIDATE

Company response to consumer: Closed with non-monetary relief