Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland Credit Management , Inc. Re : Formal Notice of Dispute and Demand for Validation Account Ending in : XXXX Amount Reported : {$2300.00} To Whom It May Concern, I am writing to formally dispute the above-referenced account that Midland Credit Management is reporting and attempting to collect. I have reason to believe this alleged debt was purchased or transferred from another company, and I am disputing the validity, ownership, and accuracy of this account in its entirety. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., I am exercising my rights to request full validation and verification of this alleged debt. Pursuant to FCRA 611 ( 15 U.S.C. 1681i ), any information reported to consumer reporting agencies must be accurate, complete, and capable of verification. At this time, the information Midland Credit Management is furnishing appears to be inaccurate and unverified. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ), a furnisher of information may not report information that is known or should be known to be inaccurate. Reporting an account without proper documentation and verification is a violation of federal law. Because this debt appears to have been sold or assigned from another company, Midland Credit Management must also comply with the validation requirements outlined in FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ). Until proper validation is provided, all collection activity must cease. Furthermore, under FDCPA 807 ( 15 U.S.C. 1692e ), a debt collector is prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. Reporting or attempting to collect a debt without proper documentation of ownership or assignment may constitute a violation of this section. Under FDCPA 808 ( 15 U.S.C. 1692f ), a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including attempting to collect amounts not expressly authorized by agreement or permitted by law. At this time, I am demanding full validation of this alleged debt, including but not limited to : A copy of the original signed contract or agreement bearing my signature with the original creditor The name and address of the original creditor Documentation proving Midland Credit Management legally purchased or was assigned this alleged debt A complete chain of title showing every entity that owned this debt before Midland Credit Management A complete itemized accounting of the balance of {$2300.00}, including interest, fees, and charges Proof that Midland Credit Management is authorized and licensed to collect debts in my state Documentation showing the date of first delinquency in compliance with FCRA 605 ( c ) ( 15 U.S.C. 1681c ) Additionally, under FCRA 623 ( a ) ( 5 ), a debt buyer must accurately report the date of first delinquency to credit reporting agencies. Any failure to accurately report this date is a violation of federal law. If Midland Credit Management can not provide the above documentation, you must immediately : Cease all collection activity Delete this tradeline from all consumer reporting agencies ( XXXX, XXXX, and XXXX ) Provide written confirmation that the account has been removed Please also be advised that continued reporting of inaccurate, incomplete, or unverified information may constitute willful noncompliance under FCRA 616 ( 15 U.S.C. 1681n ) and negligent noncompliance under FCRA 617 ( 15 U.S.C. 1681o ), which may subject your company to civil liability. If this account can not be fully verified and validated within the timeframe required by law, I expect immediate deletion of this account from my consumer credit file. This letter serves as my formal notice of dispute. I expect a written response and full documentation supporting your claim. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation