Consumer complaint received 2025-08-30 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: WA

Complaint narrative:
b"MIDLAND CREDIT MANAGEMEN\nDo you see information you believe to be inaccurate?\nAccount info\nAccount name\nMIDLAND CREDIT MANAGEMEN\nAccount numberXXXXAccount type\nDebt Buyer\nResponsibility\nIndividual\nDate openedXXXXStatus\nCollection account. $XXXX, XXXX  past due as of XXXX XXXXStatus updated\XXXXXXXX XXXX\XXXXBalanceXXXXBalance updatedXXXXRecent payment\n-\nMonthly payment\n-\nOriginal balanceXXXXHighest balance\n-\nTerms\n1 Month\nOn record until\XXXX XXXXPayment historyXXXXCollection\nPayment history guide\n\nCollection as of XXXX XXXX  to XXXX XXXXn\nThis account is scheduled to continue on record untiXXXX XXXX XXXX.\n\nHistorical info\nOriginal creditor\XXXXXXXX XXXX XXXX XXXXBalance historyXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXAdditional info\nThe original amount of this account was XXXXContact info\nPhone numberXXXX XXXXAddress\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MXXXX XXXXXXXXYour statement\nComment\nCurrent:\n\nAccount information disputed by consumer (Meets requirement of the Fair Credit Reporting Act).\n\nPrevious:\n\nAccount information disputed by consumer (Meets requirement of the Fair Credit Reporting ActXXXX XXXX  to XXXX  XXXXReinvestigation info\nThis item was updated from our processing of your dispute in XXXX XXXXA potentially negative account can impact your credit scores. See your FICO Scores from all 3 bureaus.\n\nCredit Report\nPrepared For\XXXX  XXXXReport NumberXXXXXXXXDate GeneratedXXXX XXXX XXXXDisputing personal information\nSince names, addresses and employers don't affect your credit score, consider disputing only clearly incorrect personal info, as opposed to small spelling errors.\nNeed a dispute resolution quicker?\nAll of your credit report information is reported by your lenders, so incorrect or incomplete information may be resolved more quickly if you dispute directly with them. And remember, inquiries can't be disputed online.\nReports\n14 Potentially negative\n27 Accounts\XXXX  Public records\n37 Personal information\n8 Hard inquiries\nCredit cards and credit linesXXXX XXXXPotentially negative\n\nDate opened\nXXXXnBalance\n-\nStatus\nClosed.\XXXX  XXXXPotentially negative\n\nDate openedXXXXBalance\n$XXXX\nStatus\nOpenXXXXXXXX XXXXPotentially negative\n\nDate openedXXXXBalanceXXXXXXXXnStatus\nAccount charged offXXXX XXXX written off.XXXX XXXXPotentially negative\n\nDate openedXXXXXXXXBalance\nXXXXXXXXStatus\nAccount charged off. XXXX written off. XXXX past due as of XXXX XXXX XXXX XXXXPotentially negative\n\nDate openedXXXXBalance\XXXXStatus\nAccount charged oXXXX XXXX written off. XXXX past due as of XXXX XXXXPotentially negative\n\nDate opened\XXXXXXXXBalanceXXXXStatus\nClosedXXXX XXXXXXXX XXXX XXXXIn good standing\n\nDate openedXXXXBalance\n-\nStatus\nPaid, Closed/Never lateXXXX XXXX XXXX good standing\n\nDate openedXXXXBalanceXXXXnStatus\nOpen/Never lateXXXXXXXXXXXX good standing\n\nDate openedXXXXBalanceXXXXStatus\nOpen/Never late.\nAuto loans and leasesXXXX XXXX good standing\n\nDate openedXXXXXXXXBalance\n-\nStatus\nPaid, Closed/Never late.\nStudent loansXXXX good standing\n\nDate openedXXXXXXXXBalanceXXXXStatus\nOpen/Never late.\nPersonal loansXXXX XXXX XXXXPotentially negative\n\nDate openedXXXXBalanceXXXXStatus\nAccount charged off. $XXXX written off. XXXX  past due as of XXXX XXXX XXXX XXXXPotentially negative\n\nDate openedXXXXBalance\n-\nStatus\nPaid, ClosedXXXX XXXX XXXX good standing\n\nDate openedXXXXXXXXBalance\n-\nStatus\nPaid, Closed/Never lateXXXX XXXX XXXXIn good standing\n\nDate openedXXXXXXXXBalance\n-\nStatus\nPaid, Closed/Never late.\XXXX XXXX XXXXIn good standing\n\nDate openedXXXXBalance\n-\nStatus\nPaid, Closed/Never lateXXXX XXXX XXXXn good standing\n\nDate opened\XXXXBalance\n-\nStatus\nPaid, Closed/Never late.XXXX XXXX XXXXnIn good standing\n\nDate opened\XXXXBalance\n-\nStatus\nPaid, Closed/Never late.\nXXXX XXXX XXXX\nIn good standing\n\nDate openeXXXXBalance\n-\nStatus\nPaid, Closed/Never late.XXXXIn good standing\n\nDate openedXXXXBalance\n-\nStatus\nPaid, Closed/Never lateXXXX XXXX XXXX good standing\n\nDate openedXXXXBalance\n-\nStatus\nPaid, Closed/Never late.\nCollection accountsXXXX XXXX XXXX XXXXPotentially negative\n\nDate opened\XXXXnBalance\XXXXStatus\nCollection account. XXXX past due as of XXXX XXXXMIDLAND CREDIT MANAGEMEN\nPotentially negative\n\nDate openedXXXXBalanceXXXXStatus\nCollection account. XXXX past due as of XXXX XXXXMIDLAND CREDIT MANAGEMEN\nPotentially negative\n\nDate openedXXXXBalanceXXXX\nStatus\nCollection account. XXXX past due as of XXXX XXXXOther"

Company response to consumer: Closed with explanation