Consumer complaint received 2026-06-08 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: NV

Complaint narrative:
* * Consumer Financial Protection Bureau Complaint * * * * Company : * * Midland Credit Management , Inc. * * Balance Reported : * * {$2400.00} * * Date Opened : * * XX/XX/year> * * Account Status : * * Open Collection Account * * Original Creditor : * * Not Reported/ Unknown * * Complaint * * I am filing this complaint against Midland Credit Management , Inc. regarding a collection account being reported on my consumer credit reports. Midland Credit Management is reporting a collection account with a balance of {$2400.00}. However, the account information being furnished is incomplete because no original creditor is identified on the credit report. The failure to provide this critical information prevents me from determining the origin, accuracy, and validity of the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information have a duty to provide accurate and complete information to consumer reporting agencies. Reporting a collection account without properly identifying the original creditor raises concerns regarding the completeness and accuracy of the information being furnished. Additionally, under 15 U.S.C. 1681s-2 ( b ), upon notice of a dispute, Midland Credit Management must conduct a reasonable investigation and review all relevant information regarding the disputed account. Furthermore, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 15 U.S.C. 1692f, debt collectors may not use false, deceptive, misleading, unfair, or unconscionable means in connection with the collection of a debt. Debt collectors must be able to substantiate the existence, amount, ownership, and legal collectability of any debt they report or attempt to collect. I dispute the validity, ownership, and accuracy of this alleged debt and request that Midland Credit Management provide : 1. Identification of the original creditor. 2. The original account number associated with the alleged debt. 3. Documentation proving I am legally responsible for the debt. 4. Documentation showing Midland Credit Management 's ownership of or authority to collect the debt. XXXX. The complete chain of assignment, transfer, or sale of the account. XXXX. A complete payment history and accounting supporting the balance being reported. XXXX. Documentation showing the date of first delinquency. 8. Verification that all information reported to consumer reporting agencies complies with the FCRA and XXXX XXXX reporting standards. Without competent evidence supporting the validity and ownership of this account, Midland Credit Management should not continue furnishing information that may be inaccurate, incomplete, misleading, or unverifiable. * * Requested Resolution * * I request that Midland Credit Management conduct a thorough investigation and provide all documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation