Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This complaint is a continuation of my prior CFPB case # XXXX against Midland Credit Management . The prior case was closed without a lawful resolution, and Midland has since committed additional violations, including continued collection during an active dispute and ongoing inaccurate reporting. I am requesting immediate escalation and enforcement review.

Midland Credit Management is willfully violating federal and state law by continuing to report and collect on an unverified, time-barred, and legally disputed debt in reckless disregard of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), 1681i, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), 1692e, and 1692f, as well as the Texas Finance Code 392.202 and 392.301. Midland failed to provide legally required validation of the alleged XXXX XXXX account despite my dispute and instead sent a billing statement and a generic notice of purchase that do not constitute proof of debt, proof of contract, proof of ownership, or a complete chain of assignment for this specific account. Midland claims a validation letter was sent on XX/XX/XXXX, but provided no proof of mailing or delivery, and the burden of proof is on the furnisher. Further, Midland violated FDCPA 1692g ( b ) by continuing collection activities during an active disputetheir collection letter dated XX/XX/XXXX was sent AFTER this dispute was filed, as proven in my evidence. In that same letter, Midland admitted the alleged account is time-barred ( because of the age of your debt, we will not sue you for it ) but still attempted to pressure payment by claiming I have an obligation to resolve itthis is misleading, unlawful, and violates FDCPA 1692e and CFPB Regulation F governing time-barred debt disclosures. Midland is also knowingly furnishing conflicting and inaccurate information across credit bureaus in violation of FCRA 1681e ( b ) : XXXX  reports XXXX XXXX as the original creditor, while XXXX  reports Midland as the original creditor, which is factually false and makes the account legally unverifiable. Midland has also failed to provide a full chain of title showing lawful ownership of this account, which is required in order to furnish or collect. Because Midland has failed to provide competent evidence, is furnishing false data, ignored dispute rights, and continued collection unlawfully, this account must be permanently deleted under FCRA 1681i ( a ) ( 5 ) ( A ) as unverifiable. I am not requesting a correction or updateI am demanding complete deletion. I also request enforcement action, referral to the Texas Attorney General and FTC for investigation of repeat violations, and full furnishing suspension. I reserve all rights under FCRA 616/617 to pursue civil action if necessary. All evidence, including Midlands collection letter dated XX/XX/XXXX, conflicting credit report screenshots, proof of dispute timing, and Midlands inadequate response, has been uploaded to this complaint. This is not an admission of liability for any alleged debt. I also demand that Midland cease all direct collection communication with me under FDCPA 805 ( c ) while this matter is under dispute review.

Company response to consumer: Closed with non-monetary relief