Consumer complaint received 2026-04-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
MIDLAND CREDIT HAS TWO ILLEGAL COLLECTIONS AGAINST ME! I am formally disputing an alleged debt being reported and/or collected by your agency. This dispute is based on the debt buyers failure to produce competent, admissible evidence establishing the existence, ownership, and enforceability of the alleged obligation. Complete Failure to Provide Competent Evidence of the Debt The debt buyer has failed to produce sufficient documentation to establish that any valid debt exists. Specifically, they have not provided : A signed agreement or contract linking me to the alleged account, any original account-level documentation from the originating creditor, a complete and itemized payment history showing how the balance was calculated. Unverified summaries, spreadsheets, or internally generated records do not constitute competent evidence and are insufficient to support collection activity. Failure to Prove Legal Ownership of the Alleged Debt. The debt buyer has not demonstrated that it owns or has legal authority to collect this specific account. Missing evidence includes : Account-level identification tying my alleged debt to any transfer, a complete chain of title from the original creditor to the current collector, documentation showing that my specific account was included in any sale or assignment. Generalized or portfolio-level transfer documents that do not identify my account fail to establish ownership. Collection Activity Without Evidence ( FDCPA Violations ) By continuing collection efforts without first obtaining and providing proper documentation, the debt buyer is engaging in conduct that may violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), including : Attempting to collect a debt not proven to be owed, Misrepresenting the legal status and ownership of the debt, using unverified information to pressure payment. Reporting Unverified Information ( FCRA Violations ) If this account is being reported to any consumer reporting agency, the furnisher is required under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) to ensure accuracy and verifiability. Reporting a debt without possessing evidence sufficient to substantiate : The existence of the debt, the correct balance, legal ownership constitutes furnishing inaccurate or unverifiable information. Continued Collection Despite Dispute Despite dispute, the debt buyer has continued collection activity without resolving the evidentiary deficiencies. This conduct further demonstrates a disregard for federal consumer protection laws. Demand for Immediate Relief Due to the complete failure to provide evidence, I hereby demand : Immediate cessation of all collection activity, immediate deletion of any credit reporting associated with this account, written confirmation that the alleged debt has been released and closed, no further contact regarding this matter unless and until competent evidence is produced Notice of Regulatory Escalation This complaint is being submitted to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Attorney General in all relevant jurisdictions. If the debt buyer continues collection activity without producing competent evidence, additional legal remedies may be pursued. I request a formal response within 30 days.

Company response to consumer: Closed with explanation