Consumer complaint received 2026-05-26 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: GA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/year> Subject : Complaint Regarding Inadequate Debt Verification and Continued Reporting of Disputed Collection Account Company : Midland Credit Management Original Creditor : XXXX XXXX XXXX XXXX. Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am submitting this complaint regarding Midland Credit Managements response to my written dispute and validation request. I previously sent Midland Credit Management a formal written dispute requesting meaningful verification of this alleged debt. My request asked for information sufficient to address my dispute regarding the accuracy and reporting of this account. Among other items, I requested clarification and supporting information concerning : Accuracy of the reported balance Information supporting attribution of the account to me Information supporting Midlands authority to report the account Clarification regarding the account history and reporting Midland responded to my request ; however, the response consisted only of billing information and did not address the substance of my dispute or provide an explanation sufficient to resolve the verification concerns I raised. The account continues to be reported to consumer reporting agencies despite my continuing dispute. My concern is not that Midland responded, but that the response did not meaningfully address the issues raised in my dispute or resolve whether the information being furnished is accurate and complete. I am requesting that CFPB review whether the furnisher has satisfied its obligations concerning dispute handling and reporting accuracy and require appropriate corrective action if the account can not be substantiated. Requested Resolution : Review whether Midland conducted an adequate investigation of my dispute Require Midland to explain what information was used to verify reporting accuracy Require correction of any inaccurate information identified Require deletion of the account from consumer reporting agencies if the account can not be substantiated as accurate and complete I attempted to resolve this matter directly before filing this complaint. This complaint is submitted in good faith and seeks accurate reporting and appropriate resolution under applicable federal consumer reporting and debt collection requirements. ADDITIONAL REQUEST FOR ACCOUNT ATTRIBUTION SUPPORT As part of my original dispute, I also requested information supporting the attribution of this account to me. To date, I have not received documentation responsive to that request. I requested records reasonably supporting that I entered into or became obligated on this account, including, where available : Account application records or account opening records Signature records, electronic consent records, or authentication records used to establish the account Documentation identifying the basis upon which the account was associated with me Records supporting the original creditors account attribution and reporting The response I received did not address this request and did not explain what information was relied upon to continue furnishing this account as accurate. Because the reporting remains disputed, I request review of whether sufficient information exists to support continued reporting of this account. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation