Consumer complaint received 2026-05-28 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: PA

Complaint narrative:
I pulled my credit report and there is a collection sitting on it from Midland Credit Management for an alleged XXXX XXXX account, and I have never had any business relationship with Midland Credit in my life. I never signed an agreement with them, never borrowed a dime from them, never received any credit from them. The only reason they are anywhere near my name is because they bought something they claim used to belong to someone else and stuck it on my credit file as if that gives them the right to be there. I already went through this with them once. On XX/XX/XXXX I mailed Midland Credit a written debt validation request asking for the original signed agreement bearing my signature, a full itemized accounting from XXXX XXXX, the complete chain of assignment, the actual purchase agreement, proof of their collection authority in Pennsylvania, and the notice of assignment. When they ignored everything I asked for, I filed a CFPB complaint on XX/XX/XXXX. Their response on XX/XX/XXXX was a brush off. They told the CFPB that they had previously mailed me a letter with verification information and that if I wanted additional account documentation I could go visit their website. They did not attach a signed contract. They did not attach an accounting ledger from XXXX. They did not attach the purchase agreement. They did not attach any chain of title. They told a federal regulator to point me at a website instead of producing the documents I formally requested. So I sent them a second written dispute on XX/XX/XXXX spelling all of this out again, and to this day not XXXX piece of paper has been produced that actually proves this debt belongs to me or that Midland has the legal right to collect it. On top of refusing to validate, the way this account is reporting across the bureaus does not line up. On XXXX the Date Opened is XX/XX/XXXX and the Date Last Active is XX/XX/XXXX. On XXXX the same account shows the Date Opened as XX/XX/XXXX and the Date Last Active as XX/XX/XXXX. So the same account somehow has XXXX different opening dates depending on which bureau is looking at it, and the Date Last Active on XXXX is being shown as just a few weeks ago while XXXX shows the last activity was over XXXX years ago. The Last Reported date is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. The comments are also worded differently on each bureau, with XXXX saying the account meets FCRA requirements and XXXX only saying the subscriber reports a disputed account. None of that lines up. Same alleged account, same alleged company, completely different numbers and language in field after field. That is not a debt being reported accurately. That is a company that does not have the records to back up what they put on my file. The damage from this is real and it is happening every single time someone pulls my credit. This account is dragging my score down, blocking me from things I need, and pushing the cost of everything else up while my family pays the price for it.

Company response to consumer: Closed with explanation