Consumer complaint received 2026-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am filing this complaint regarding ongoing inaccurate credit reporting and failure to validate an alleged debt. Account Information : Account Name : Midland Credit Management Original Creditor : XXXX XXXX Account Number : XXXX Original Balance : {$2400.00} Reported Balance : {$2600.00} Date Opened : XX/XX/XXXX Status Updated : XX/XX/XXXX Balance Updated : XX/XX/XXXX Violations of the Fair Credit Reporting Act ( FCRA ) 1. Violation of 15 U.S.C. 1681e ( b ) XXXX is required to follow reasonable procedures to assure maximum possible accuracy. This account contains clear inaccuracies and internal inconsistencies : The Status Updated date is XX/XX/XXXX, yet the balance continues updating monthly through XXXX. The balance has increased from {$2400.00} to {$2600.00} with no itemization or contractual explanation. No documentation has been provided showing how the balance was calculated. Reporting inconsistent dates and unexplained balance increases fails the maximum possible accuracy standard. 2. Violation of 15 U.S.C. 1681i ( a ) Upon dispute, XXXX is required to conduct a reasonable reinvestigation. Given the obvious inconsistencies in dates and balance reporting, any claim that this account has been verified suggests reliance on automated confirmation rather than a meaningful review of underlying documentation. This constitutes failure to conduct a reasonable reinvestigation. Violations of the Fair Debt Collection Practices Act ( FDCPA ) Violation of 15 U.S.C. 1692g Failure to Provide Proper Validation Under 15 U.S.C. 1692g, a debt collector must provide proper validation of the debt upon dispute. I have not received : A copy of any signed agreement bearing my signature A complete payment history from the original creditor An itemized accounting of interest, fees, or charges added Documentation proving Midland Credit Management has legal authority to collect this debt Proof of the date of default or date of first delinquency Continuing to report this debt to credit bureaus without providing proper validation while the debt is disputed is improper and unlawful. If Midland Credit Management can not produce competent evidence that the debt is valid and that the amount is accurate, they must cease collection activity and request deletion of the account from all credit reporting agencies. Potential Improper Re-Aging The account is listed to remain on file until XX/XX/XXXX. I am demanding documented proof of the Date of First Delinquency to ensure this account has not been improperly re-aged in violation of federal law. Demand for Immediate Action I demand the following : Full validation of the alleged debt as required under 15 U.S.C. 1692g. Documentation establishing compliance with 15 U.S.C. 1681e ( b ) and 1681i ( a ). Immediate deletion of this account if it can not be fully and properly verified. Written confirmation of the results of the investigation. Failure to correct these violations may result in further regulatory complaints and pursuit of remedies available under federal law for negligent or willful noncompliance. This complaint serves as formal notice. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX nj XXXX ss XXXX

Company response to consumer: Closed with non-monetary relief