Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Product : Debt collection Issue : Attempted to collect debt not owed / improper credit reporting and investigation Complaint narrative ( paste this into What happened? ) : I am disputing Midland Credit Managements collection and credit reporting of an alleged XXXX XXXXXXXX XXXX XXXXXXXX. account. 

My name is XXXX XXXX XXXX, XXXX XX/XX/XXXX, address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 

Midland Credit Management is reporting a collection account on my Equifax credit report as a Debt Buyer Account / Collection Account with a balance of {$720.00} and an account number ending in XXXX, related to XXXX XXXX XXXX XXXX. The XXXX file ( Confirmation # XXXX, dated XX/XX/XXXX ) shows the account with Debt Buyer Account status while also listing the portfolio as XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. and repeating a {$720.00} balance across multiple months with collection status codes. 

I dispute this debt in its entirety. I do not have sufficient information to know whether this debt is valid, whether the amount is correct, whether it is within the statute of limitations, or whether XXXX has any legal right to collect or report it. 

I disputed the account with XXXX and XXXX responded that XXXX verified that this item belongs to you and updated additional information, but I did not receive any actual documentation from XXXX showing : A signed contract or application bearing my signature ; A complete account history from XXXX XXXXXXXX XXXX XXXX including how the {$720.00} balance was calculated ; A valid chain of title or assignment proving Midland owns or has been assigned this specific account ; or Documentation of the true Date of First Delinquency and any other key dates and amounts being reported. 

Midland is furnishing information that is inaccurate and misleading, and appears to be verifying the account to Equifax without conducting a reasonable investigation or producing proof. Midland is a debt buyer, yet the tradeline is coded in a way that suggests an original creditor portfolio. This is confusing and misrepresents the nature of the account and ownership.

I am located in XXXX, and Midlands actions also raise concerns under the XXXX XXXX XXXX ( XXXX Debt Collection Act ), which requires a third-party debt collector who furnishes information to credit bureaus to investigate disputes and cease collection efforts until the investigation is complete and the accurate amount of the debt, if any, is determined. Midland has continued to allow this collection tradeline to remain on my credit report without providing proper validation or documentation.

I believe Midland is violating : The FDCPA by attempting to collect a debt without adequate verification and by using false, deceptive, or misleading representations through its credit reporting ; and The FCRA by furnishing inaccurate or incomplete information and failing to properly investigate a disputed account that it is reporting to credit bureaus. 

This conduct is damaging my credit and causing me ongoing harm in obtaining credit and financial services.

Company response to consumer: Closed with non-monetary relief