Consumer complaint received 2026-05-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: OK

Complaint narrative:
Formal Notice of Complaint To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX RE : Consumer Complaint against Midland Credit Management , Inc. for Failure to Respond to Identity Theft Dispute and Deletion Demand Executive Summary I am filing a formal complaint against Midland Credit Management , Inc. for failing to investigate and respond to a clear, documented claim of criminal identity theft. On XX/XX/XXXX, I sent a formal notice via mail detailing that two accounts sold to their agency by XXXX XXXX XXXX were entirely fraudulent. Midland Credit Management has failed to provide a written response or confirmation of closure within the XXXX statutory window, in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Respondent Information Company Name : Midland Credit Management , Inc . Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department : Fraud Department / Dispute Disputed Fraudulent Accounts Account XXXX : Original Creditor : XXXX XXXX // Account No. Ending in : XXXX // Outstanding Balance : {$2500.00} Account XXXX : Original Creditor : XXXX XXXXXXXX // Account No. Ending in : XXXX // Outstanding Balance : {$1200.00} Statement of Facts and Physical Impossibility Continuous Incarceration : I have been in the continuous physical custody of the XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I am currently serving a XXXX sentence and have not been a member of free society for nearly XXXX years. Absolute Impossibility : It is both a physical and legal impossibility for me to have opened, received, or utilized these XXXX accounts during my strict confinement. Fraudulent Information : The fraudulent applications associated with these lines of credit utilized addresses where I have never resided ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX ) and an employer for whom I have never worked ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ). Failure to Respond : Midland Credit Management received absolute, official state-issued proof of my continuous incarceration ( including my OK DOC Consolidated XXXX XXXX and XXXX ID ). Despite this irrefutable evidence, they have ignored the dispute, failed to clear the fraudulent trade lines, and failed to reply within XXXX days. Legal Demands and Remediation Requested Under the enforcement authority of the CFPB, I demand that Midland Credit Management , Inc. be compelled to : Cease and Desist : Immediately and permanently halt all collection efforts regarding these two fraudulent debts. Complete Deletion : Permanently block and delete these fraudulent trade lines ( Account XXXX. ending in XXXX and XXXX ) from my credit files at all major credit reporting bureaus ( XXXX XXXX XXXX XXXX ). XXXX XXXX : Provide a formal letter confirming that the accounts are closed, the files are purged, and I am entirely released from any alleged liability. Thank you for your prompt intervention and enforcement of federal consumer protection laws. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXX

Company response to consumer: Closed with explanation