Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am submitting this complaint against Midland Credit Management XXXX XXXX. regarding its collection practices related to an alleged credit card account that I formally dispute. 

Midland Credit Management has initiated a lawsuit against me in the State of Georgia for an alleged credit card debt that I do not acknowledge as valid, owed, or enforceable. The alleged account is disputed in its entirety, including the amount claimed, Midlands legal standing to collect, and the accuracy of any information being furnished to consumer reporting agencies. 

Despite the debt being disputed, Midland has continued collection activity, including litigation and credit reporting, without providing proper validation as required under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g ( b ). To date, I have not received competent evidence establishing Midlands ownership of the alleged debt, the complete chain of assignment from the original creditor, or a copy of any original contract bearing my signature. 

In addition, Midland Credit Management and its affiliates have been the subject of prior lawsuits and regulatory enforcement actions alleging violations of federal consumer protection laws, including the FDCPA and the Fair Credit Reporting Act ( FCRA ). This history heightens my concern regarding the collection and litigation practices being used in my case. 

Further, during the pendency of this dispute and lawsuit, an individual has been repeatedly coming to my residence. I have documented multiple instances of persistent and prolonged conduct at my home. 

On XXXX XXXX, 2026, the individual began knocking on my door at approximately XXXX XXXX. and continued until approximately XXXX XXXX., including repeated knocking and continuous ringing of my doorbell. 
On XX/XX/2026, the individual knocked on my door from approximately XXXX XXXX. to XXXX XXXX, and then remained seated in a vehicle parked in front of my home until approximately XXXX XXXX. 
There have been additional similar occasions involving repeated visits and prolonged presence at or near my residence. 

I have photographs documenting the individual sitting outside my residence for extended periods of time, as well as video recordings showing repeated knocking and continuous doorbell ringing. I do not have confirmed information regarding the identity, employer, or purpose of this individual. However, these repeated and persistent visits have been disruptive and distressing, particularly in the context of an actively disputed debt and ongoing collection-related litigation. To the extent these actions are connected to debt collection or litigation efforts, they may constitute conduct that warrants review for compliance with federal consumer protection laws, including FDCPA provisions related to harassment, abuse, or unfair practices. 

Additionally, Midlands continued furnishing of this alleged debt to consumer reporting agencies while the account is disputed may constitute false, misleading, or unfair practices under the FDCPA ( 15 U.S.C. 1692e and 1692f ), as well as violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires accurate reporting and proper investigation of disputed information. 

This matter is causing ongoing financial, emotional, and reputational harm due to continued negative credit reporting, litigation pressure, and intrusive conduct at my residence. I am requesting that the Consumer Financial Protection Bureau investigate Midland Credit Managements collection, litigation, and credit reporting practices in this matter and require compliance with all applicable federal consumer protection laws. 

I respectfully request that Midland Credit Management be directed to : Provide proper validation of the alleged debt, including proof of ownership and legal standing ; Cease collection activity, including litigation, until validation is provided ; Correct, suppress, or delete any inaccurate or unverified credit reporting associated with this alleged account. 

I am submitting this complaint in good faith and am prepared to provide supporting documentation, including photographs and video recordings, upon request.

Company response to consumer: Closed with non-monetary relief