Consumer complaint received 2025-10-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am disputing the account reported by Midland Credit Management as inaccurate and unverifiable. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I request that this account be validated and that all information reported to the credit bureaus be verified for complete accuracy. Midland Credit must provide documented proof that this alleged debt is valid, that they have the legal right to collect it, and that all reporting is in full compliance with federal law. If such verification can not be provided, I request that the account be deleted from my credit report immediately in accordance with FCRA 611 ( a ) .1. 15 USC 1692g Part of the Fair Debt Collection Practices Act ( FDCPA ). Requires debt collectors to provide a written notice of debt validation rights, including the amount owed and the creditors name, and gives consumers the right to dispute debts. 
2. 15 USC 16815-2 This section does not exist in the U.S. Code . It may be a typo or misinterpretation of an actual section within 15 USC 1681.

3. 15 USC 1681i Part of the Fair Credit Reporting Act ( FCRA ). Covers the process for consumers to dispute inaccurate or incomplete information on their credit reports and requires credit bureaus to investigate disputes in a timely manner.

4. 15 USC 1681iaa This section does not exist. It may be a mistaken reference to another provision within 15 USC 1681.

5. 15 USC 6802 Part of the Gramm-Leach-Bliley Act ( GLBA ). Governs financial institutions obligations to protect consumers private financial information and requires them to provide privacy notices with an option to opt out of information sharing.

6. 15 USC 1681 ( 4 ) This does not appear to be a valid reference. It might be an incorrect citation related to the definitions or provisions in the FCRA.

7. 15 USC 1681b2 Likely refers to 15 USC 1681b, which details the permissible purposes for obtaining and using consumer credit reports, such as for credit, insurance, or employment decisions.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to investigate disputed information within 30 days of receiving this notice and provide a written response detailing its findings. If any of the above accounts can not be verified as accurate, they must be corrected or removed in accordance with 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy.

Additionally, failure to properly investigate or correct inaccurate information may expose XXXX to liability under : 15 U.S.C. 1681n Civil liability for willful noncompliance.

15 U.S.C. 1681o Civil liability for negligent noncompliance.

Request for Verification I am formally requesting that TransUnion provide : 1. All documentation used to verify the accuracy of the disputed accounts.

2. A written explanation of the investigation process and results.

3. Confirmation of correction or removal of the inaccurate information.

Company response to consumer: Closed with explanation