Consumer complaint received 2026-01-12 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding serious violations if my rights under the Fair Credit Reporting Act ( FCRA ) by both a credit reporting agency and the furnisher of an alleged debt. I have communicated to them my concerns and asked them to provide the legally required documentation to show this debt is owned by them and owed by me. 

I have never ever done any business with MIDLAND CRED and I do not owe anyone {$340.00}. I asked for the proofs recently and still nothingYET somehow the credit reporting agency continues to report and verify this unverifiable account. 

I have never entered into any agreement with the company now reporting this account. I do not recognize them, nor do I know how they obtained my personal information, social security number, or accessed my credit report without proper authorization. 

I am asking to review 4 important pieces of information : - Proof of ownership or purchase agreement showing they legally own the alleged debt and that I am actually the correct person.

- I have a right to get the original signed contract to have evidence that I actually agreed to the debt and that I am the correct person you are trying to collect from.

- A complete chain of title tracing ownership from the original creditor to the current entity.

- A full itemized accounting of charges, interest, and payments from the last {$0.00} balance to the present. Without this there is no way to verify this balances accuracy and MIDLAND CRED could say they want any amount of money.

Complaint # 2 is Failure to Conduct a Reasonable Investigation to a consumer dispute Despite the furnishers failure to validate the debt, the credit reporting agency continues to list this account on my credit report and claims it has been verified. How the verification was conducted.

I am requesting a copy of the ACDV form used to verify this account AND the dispute code sent.

Under 15 U.S.C. 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Furthermore, 1681i ( a ) ( 6 ) ( B ) ( iii ) gives me the right to request and receive the method of verification My request for this information has gone unanswered.

* * The continued reporting and verification of this unverified debt have caused me financial and emotional harm, including damage to my creditworthiness. 

I also cite CFPB XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX & XXXX ) as precedent for enforcement actions against entities pursuing consumers without proper documentation, proof of ownership, or legal right to collect. 

Requested Action is to DELETE THIS UNKNOWN, UNVERIFIED ACCOUNT FROM MY CREDIT REPORT. 

I respectfully request that the CFPB : Investigate both the furnisher and the credit reporting agency for potential violations of the FCRA ( 1681i ) and other applicable federal laws.

I have attempted to resolve this matter amicably and to preserve judicial economy. However, if these violations continue, I intend to pursue all available remedies, including complaints with the FTC and State Attorney General, and the initiation of a civil lawsuit.

Company response to consumer: Closed with explanation