Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
Midland Credit Management is exhibiting stall tactics and has already exceeded the legal limit of 30 days - this is a legal action as pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Title 15 and the Fair Credit Reporting Act ( FCRA ), Title 15 of the United States Code. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Midland Credit Management , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Verification of Alleged Debt Formal Demand for Validation Certified Mail # : XXXX To Whom It May Concern : I am writing in response to your recent collection attempt concerning an alleged account in my name. I hereby dispute the validity and legal enforceability of this alleged debt and demand full and proper validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ).

You are legally required to provide complete documentation to substantiate the debt, including : 1. A signed contract or agreement bearing my name and signature establishing legal responsibility ; 2. A complete itemized payment history including the original creditor, account number, and timeline of charges/payments ; 3. Documentation proving your legal authority to collect, including chain of title and assignment agreements from the original creditor to your agency. 

As held in XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX  XXXX [ XXXX XXXX XXXX  XXXX ), summary data or third-party records are not considered adequate debt verification. Only original signed agreements and full account histories legally suffice. 

Midland Credit Management , Inc., along with Encore Capital Group and its subsidiaries, has a documented history of deceptive debt collection practices : 1. CFPB Consent Order ( XX/XX/XXXX ) CFPB found violations of FDCPA, FCRA, and the Consumer Financial Protection Act ( CFPA ), including collection of debts without proper documentation and pursuing time-barred claims. 
- Outcome : Mandated compliance reforms and federal oversight. 

2. CFPB Federal Lawsuit ( XX/XX/XXXX ) Filed in the Southern District of California, alleging continued violations of the XXXX consent order, including : - Filing lawsuits without documentation, - Suing on time-barred debts without required disclosures, - Making deceptive threats of legal action. 
- Outcome : Settlement included {$79000.00} in consumer restitution and {$15.00} XXXX in civil penalties. 

3. FTC Oversight Ongoing scrutiny and multiple consumer complaints regarding failure to verify debts, failure to respond to disputes, and credit reporting inaccuracies. 

As a XXXXXXXX XXXX XXXX  veteran, your agencys unlawful practices have severely impeded my ability to obtain stable housing, medical insurance, life insurance, and auto insurance. These services are essential, yet your unverified claims have inflicted disproportionate harm on someone already protected under federal law and deserving of due diligence and integrity in debt collection. 

Furthermore, I received email correspondence via the Consumer Financial Protection Bureau ( CFPB ) indicating Midland Credit Management requested a 60-day extension to respond to my dispute. Such an extension directly violates : - FDCPA 1692g ( b ) A collector must cease collection of a disputed debt and provide validation within 30 days, not delay via agency intermediation ; - FCRA 1681i ( a ) Consumer reporting agencies must conduct reinvestigation within 30 days, and no extension is permissible without lawful basis. 

This improper extension is illegal and constitutes further violation of my statutory rights. 

Until full validation with proper legal documentation is provided, I demand : - Immediate cessation of all collection activity and communications ; - Immediate deletion of related derogatory information from all credit bureaus ; - Written confirmation that the account has either been validated or permanently closed. 

Should you fail to comply, I will file formal complaints with the CFPB, FTC, and the State Attorneys General of California, Texas, Georgia, Pennsylvania, and Virginia. I fully reserve the right to pursue civil action under the FDCPA and FCRA to obtain statutory damages, actual damages, and attorneys fees for your willful misconduct. 

This letter constitutes formal dispute. You are required to respond within 30 days, and all future communications must be made in writing only. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau Federal Trade Commission Attorney General XXXX XXXX, California Attorney General XXXX XXXX, Texas Attorney General XXXX XXXX, Pennsylvania Attorney General XXXX XXXX, Georgia XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief