Consumer complaint received 2026-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am submitting this complaint because Midland Credit Management continues to report and collect on a disputed account despite failing to provide sufficient documentation establishing ownership, accuracy, and legal authority to collect. I requested validation of the alleged debt and specifically requested documentation establishing Midland Credit Management 's authority to collect, including chain of title, assignment records, transfer documentation, and evidence demonstrating that Midland Credit Management is the lawful owner of the account or otherwise authorized to collect it. Rather than providing competent documentary evidence, Midland Credit Management provided generic account information and conclusory statements that do not establish ownership of the alleged debt, my legal obligation to pay Midland Credit Management, or the accuracy of the information being furnished to consumer reporting agencies. Specifically, Midland Credit Management has failed to provide : Complete chain of title from the original creditor to Midland Credit Management ; Bill of Sale identifying my specific account ; Assignment agreements and transfer records identifying my account ; Documentation establishing how the alleged balance was calculated ; Documentation demonstrating that the information furnished to XXXX XXXX, and XXXX is accurate and complete ; Documentation identifying the procedures used to verify disputed information ; and Documentation establishing that Midland Credit Management conducted a reasonable investigation of my dispute. The Fair Credit Reporting Act requires furnishers of information to conduct reasonable investigations and report information with maximum possible accuracy. Midland Credit Management has continued reporting the account despite failing to provide sufficient documentary evidence establishing ownership, authority, and accuracy. The continued reporting of disputed information without competent supporting documentation has caused harm to my credit profile and ability to obtain credit and financial opportunities. I respectfully request that the CFPB require Midland Credit Management to : 1. Provide complete chain of title and ownership documentation identifying my specific account. 2. Provide all documents relied upon to verify the account with consumer reporting agencies. 3. Provide documentation supporting the balance being reported. 4. Conduct a reasonable investigation of my dispute. 5. Correct or delete any information that can not be fully substantiated through competent documentary evidence. If Midland Credit Management can not establish ownership, authority to collect, and the accuracy of the information being furnished, the account should be deleted from all consumer reporting agencies immediately. I am requesting CFPB intervention to ensure compliance with the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief