Consumer complaint received 2025-06-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XX/XX/XXXX, I was XXXX  and spent 4 months XXXX  and an additional 9 months XXXX XXXX XXXX XXXX. During the 4 months I had several accounts go delinquent. Upon my XXXXXXXX XXXX XXXX XXXX I contacted these companies and expressed what had happened and an attempt to work on a repayment if they would remove the 4 months of fees. which the companies refused to work with me because they had been sent to collections ( midland Credit Management ) already.

I then disputed the accounts through XXXX XXXX and XXXX. Both the Original credit
company and the collections company were reporting monthly to my reports. ALL negative debts while incarcerated were immediately removed from my report on XXXX  due to FCRA Rights of mine. Midland Credit Management refused to remove from XXXX  and XXXX. 

After requesting a Cease and Desist from the company they called me in XX/XX/XXXX. I explained I was going through a divorce and I was homeless at that time and to not contact me anymore on the debt. The representative I spoke with started to threaten me stating I needed to sell personal belongings to pay the debt. Then he continued to ask me who paid my phone bill and rent and that I needed to ask that person to pay them. I told them to stop harassing me and I hung up on him. He called me 4 more times immediately following me hanging up on him. 

XX/XX/XXXX a representative called and X boyfriend of mine who I have been trying to hide from for the pat 20 years. They gave my X boyfriend personal information regarding the debt. 

XX/XX/XXXX to current Midland Credit Management has called my phone between the hours of XXXX and XXXX, Monday through Sunday often times 3 to 4 times a day and up to 10 times a week. Even after me requesting to them to stop. I have since stopped answering all phone calls and have had to get a second phone under someone else 's name so im not harassed. 

Today XX/XX/XXXX at about XXXX, my husband called me from work stating that Midland Credit Management called him asking if he knew me and what his relationship to me was. Then proceeded to tell him that they were a process server from XXXX XXXX ( Which was my last known county I lived in thats on my Credit Report as I was XXXX  there for 13 weeks ) I have no affiliation other then my XXXX  time, with anyone there. MCM claimed that they were trying to serve me on a Civil Matter through XXXX XXXX and gave my husband a 'case number '. My husband is a XXXX  so he looked the case number up for

that county to which was an illegal collection tactic as there was no case in that court on me. Midland Credit Management has used multiple unethical and illegal tactics towards collecting a debt that i have disputed and requested decease and desist attempts. They've used deceptive and abusive practices by harassing not only myself but known friends, family and people who are associated to me, they've threatened me and they have used scam tactics by impersonated process servers and lied about civil court matters.

Company response to consumer: Closed with non-monetary relief