Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Make a XXXX complaint letter for this debt collector Account Number XXXXXXXX XXXX XXXX XXXX XXXX Condition Derogatory Responsibility Individual Current Balance {$1100.00} Original Balance {$1000.00} Limit Monthly Payment Last Payment Status Collection / Charge-Off Loan Term Loan Type Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Account information disputed by consumer, meets FCRA requirements Creditor Information MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Here 's a formal CFPB ( Consumer Financial Protection Bureau ) complaint letter you can submit regarding the Midland Credit Management collection account : Subject : Request for Investigation and Validation of Debt Reporting Midland Credit Management Account XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am filing a complaint against Midland Credit Management regarding the reporting and collection of an alleged debt listed on my credit report under Account Number XXXXXXXX XXXX XXXX The account is currently being reported as a XXXX / XXXX with a balance of {$1100.00} and an original balance of {$1000.00}. The account was reportedly opened on XX/XX/XXXX, and most recently reported on XX/XX/XXXX. I dispute the accuracy and validity of this account and have concerns regarding Midland Credit Management 's reporting practices. Specifically : I have not been provided with sufficient documentation proving that I owe this debt. I request verification of Midland Credit Management 's legal authority to collect on this account. I request documentation showing the complete chain of ownership if this debt was purchased from another creditor. I request a complete payment history and itemization explaining how the balance increased from the original balance of {$1000.00} to the current reported balance of {$1100.00}. The account is being reported with the remark " Account information disputed by consumer, meets FCRA requirements, '' yet I have not received adequate evidence supporting the accuracy of the information being furnished. If Midland Credit Management can not provide competent evidence validating this debt and the information being reported, I request that the account be deleted from all consumer reporting agencies. Under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, consumers have the right to accurate reporting and proper validation of debts. I am requesting that the CFPB investigate this matter and require Midland Credit Management to provide complete documentation supporting its reporting and collection activities. I also request that Midland Credit Management cease reporting any information that can not be verified as accurate and complete. Thank you for your attention to this matter. I look forward to a timely resolution. Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Creditor/Collector : Midland Credit Management XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation