Consumer complaint received 2026-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Complaint Against Midland Credit Management XXXX Inc. I am filing this complaint because Midland Credit Management continues reporting inaccurate, inconsistent, and unverifiable information on my credit file despite multiple disputes, a prior validation request, and prior escalation. This account is being reported as a collection account with an alleged balance of approximately {$3200.00} tied to XXXX XXXX. Midland has repeatedly claimed the account was verified, but it has not provided complete documentation sufficient to support the reporting. I previously requested validation and specifically requested documentation such as a full chain of assignment, account-level documentation, and supporting records showing how Midland obtained and calculated this alleged debt. Midland did not provide full documentation responsive to those requests. Instead, it provided only partial and incomplete information. The reporting is also inconsistent across credit bureaus. Midland appears on some bureaus, but it does not appear on XXXX at all, even though it is reported elsewhere as an active collection. That inconsistency alone raises serious concerns about whether the account is being reported accurately and whether any reasonable investigation was actually conducted. In addition, the dates and reporting history are inconsistent. Midlands own correspondence references one set of dates, including a purchase date and charge-off timeline, while the tradeline reporting presents the account in a way that does not cleanly align with that documentation. This makes the reporting unreliable and misleading. There is also an identifying-information problem that was never properly addressed. My credit files contain name variation and address inconsistency issues. Because of those inaccuracies, any investigation should have been especially careful. Instead, the account continued to be reported and marked verified without Midland resolving those identifying-information concerns. Most importantly, while disputes and complaint activity were active, Midland continued updating or changing the tradeline instead of actually resolving the dispute. While I had active disputes and an active CFPB complaint, Midland continued furnishing and updating information rather than providing complete validation and correcting or deleting inaccurate reporting. That raises serious concerns about whether Midland conducted any meaningful investigation at all. At this point, Midland has had multiple opportunities to validate, correct, or remove this account and has failed to do so. The account remains inaccurate, inconsistent, and unverifiable. Requested Resolution : I am requesting the immediate deletion of this account from all consumer reporting agencies. If Midland contends that the account is accurate, it should be required to provide full, complete, and legally sufficient documentation supporting ownership, balance, and reporting accuracy, including the full chain of assignment and account-level records. Otherwise, the account should be removed in full.

Company response to consumer: Closed with explanation