Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Master Statement of Facts : XXXX XXXX XXXX XXXX XXXXXXXX Parties : XXXX XXXX ( Defendant ) vs. Midland Credit Management XXXX XXXX XXXX XXXX ( Plaintiff ) 1. The Formal Dispute & Litigation Trigger ( XX/XX/XXXX ) The Event : I filed a formal Court Answer and a Debt Validation request with the court. The Legal Impact : This officially triggered " Disputed '' status. Under FDCPA 1692e ( 8 ) and FCRA 623 ( a ) ( 2 ), the collectors had a mandatory duty to update my credit report with a " Consumer Dispute '' marker. The Violation : The collectors ignored this for seven consecutive months ( XX/XX/XXXX XX/XX/XXXX ), continuing to report the debt as a standard " Collection '' to suppress my credit score while we were in active litigation. 2. Procedural Resistance & Mediator Denial ( XXXX XX/XX/XXXX ) XX/XX/XXXX : I explicitly notified the collectors and mediator XXXX XXXX that I denied his services. XX/XX/XXXX : Because the collectors ignored my denial and failed to coordinate, I was forced to file a XXXX XXXX Motion to restart the mediation clock and protect my rights. 3. The " Zombie '' Mediation Phase ( XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXX : We tentatively agreed to a XX/XX/XXXX mediation date. XX/XX/XXXX : CRITICAL DATE. The court officially DISMISSED the case for " Failure to Prosecute. '' The collectors received notice ; I did not. XX/XX/XXXX : The mediator ( acting as Midland 's agent ) sent a notice to collect a " locking fee '' for the XX/XX/XXXX date. XX/XX/XXXX : Still unaware of the dismissal, I paid the {$100.00} fee. The collectors stayed silent and allowed their agent to extract funds for a " Zombie '' proceeding on a dead case ( FDCPA 1692e ( 10 ) ). 4. The " Blind Mediation '' & Denied Motion ( XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXX : Mediation commenced. Both the mediator and I were unaware the case was dismissed because the collectors withheld that information. The Backdoor Attempt : On this same day ( XX/XX/XXXX ), the collectors filed a motion to reopen the case they knew was dismissed. XX/XX/XXXX : The court DENIED their motion to reopen, standing by the XX/XX/XXXX dismissal. This proves their intent was to resurrect a dead case after already taking my money. XXXX. The " Moot '' Order & Willful Silence ( XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXX : I served the collectors with a Motion for Lack of Standing and evidence proving they had no right to collect. XX/XX/XXXX : The court re-entered the dismissal and officially declared all further motions MOOT. The Violation : Despite the " Moot '' order, the collectors stayed silent for another 60 days. They neither validated my evidence nor corrected the 7 months of false credit reporting. XXXX. Consumer Action ( XX/XX/XXXX XX/XX/XXXX ) XX/XX/XXXX : I personally initiated disputes with the bureaus ( the " girls '' ) by providing the court 's " Moot '' and " Dismissed '' orders. XX/XX/XXXX : My credit finally updated to " Pending '' only because of my intervention. Summary Note Midland Credit Management and XXXX XXXX XXXX used deceptive silence to extract fees and maintain 7 months of inaccurate credit reporting. They allowed a 'Zombie ' mediation to proceed on a dismissed case and ignored a XX/XX/XXXX court order declaring the matter 'Moot ' just to keep a derogatory mark on my credit. This was not a mistake ; it was a willful tactical choice to use credit defamation as a collection tool. A comprehensive packet will be mailed, including a paper trail of the events above in chronological order.

Company response to consumer: Closed with non-monetary relief