Consumer complaint received 2026-03-09 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: FL

Complaint narrative:
The matter in dispute concerns a XXXX XXXX XXXX credit card account ending in XXXX, which is currently being pursued for collection by Midland Credit Management , Inc . According to information previously provided by XXXX XXXX XXXX, this account was charged off on XX/XX/XXXX, with an alleged balance of {$710.00}. Following this charge-off, the purported ownership or servicing rights of the account were subsequently transferred to Midland Credit Management , Inc. , located at : Midland Credit Management , Inc . XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Alternate Address Provided by the Debtor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX In an effort to properly verify and validate the legitimacy of this alleged debt, I formally requested XXXX specific documents from both XXXX XXXX XXXX, XXXX. and Midland Credit Management , Inc. : Documentation demonstrating implied consent to the alleged account and obligation. A copy of the original debt agreement bearing my signature, establishing a legally enforceable contractual obligation. To date, neither XXXX XXXX XXXX nor Midland Credit Management has provided the requested documentation that would substantiate the validity of this alleged debt. The only correspondence received from Midland Credit Management was a document written entirely in Spanish, despite the fact that I am not a Spanish-speaking individual and have never requested communications in that language. Additionally, the document referenced an address at which I have not resided for more than XXXX years, raising further concerns regarding the accuracy and reliability of the information being used in connection with this alleged account. Furthermore, the document provided does not contain my signature, nor does it provide any evidence of implied consent or contractual agreement establishing my responsibility for the alleged debt. Given the absence of proper documentation, the discrepancies in the information provided, and the failure to supply the requested validation materials, the legitimacy of this alleged debt remains unverified and formally disputed.Violations of the Fair Debt Collection Practices Act ( FDCPA ) The conduct of Midland Credit Management , Inc., as well as the actions related to the reporting and collection of this alleged debt, appear to violate several provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., including but not limited to : 15 U.S.C. 1692g Failure to Provide Proper Validation of Debt Despite my formal request for validation, Midland Credit Management has failed to provide documentation verifying the alleged debt, including the original agreement bearing my signature or proof of my contractual obligation. 15 U.S.C. 1692e False, Deceptive, or Misleading Representation Providing documentation written in Spanish to an English-speaking consumer, and referencing an address that has not been associated with me for over a decade, raises serious concerns regarding the accuracy of the information being used to collect this alleged debt. 15 U.S.C. 1692f Unfair Collection Practices Attempting to collect a debt without producing documentation that establishes legal ownership of the account or proof of the consumer 's agreement may constitute an unfair collection practice. Violations of the Fair Credit Reporting Act ( FCRA ) Additionally, the continued reporting of this account appears to violate provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including : 15 U.S.C. 1681s-2 ( b ) Duty to Investigate Disputed Information Upon receiving notice that this debt has been formally disputed, the furnisher of the information is required to conduct a reasonable investigation and verify the accuracy of the reported data. 15 U.S.C. 1681e ( b ) Requirement of Maximum Possible Accuracy Reporting inaccurate information, including outdated address data and unverified account ownership, violates the requirement that credit reporting agencies and furnishers maintain maximum possible accuracy. 15 U.S.C. 1681i Failure to Properly Reinvestigate Disputed Information If the account has not been properly validated, it should not continue to appear on my credit report as a verified debt.

Company response to consumer: Closed with explanation