Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to submit a formal complaint against Midland Credit Management , XXXX ( MCM ) and XXXX XXXX. regarding unfair and potentially deceptive debt collection practices in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe this debt is not valid due to fraudulent activity on the account, and I have not received adequate documentation or resolution from the involved parties. Below, I provide details of the issue.

Account Information : Original Creditor : XXXX XXXX. ( XXXX XXXX ) Debt Collector : Midland Credit Management , XXXX . 
MCM Account Number : XXXX Alleged Amount Owed : {$1400.00} Description of the Problem : On or around XX/XX/XXXX, I discovered that my XXXX credit card had been stolen and used for unauthorized transactions. I promptly reported the theft to XXXX and disputed the charges as fraudulent. Despite my report, XXXX has failed to provide me with a full investigation report or any detailed documentation confirming the resolution of the fraud claim. As a result, this disputed amount was sold or assigned to Midland Credit Management XXXX XXXX, who is now attempting to collect on it. 
MCM sent me a " Final Notice '' dated XX/XX/XXXX, threatening attorney review and potential legal action if I do not pay the full amount. This notice was addressed to XXXX XXXX on the notice, at XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I dispute the validity of this debt because : The charges stem from a stolen credit card and are fraudulent. I am not responsible for these amounts under federal law, including the Truth in Lending Act, which limits liability for unauthorized credit card use to {$50.00}. 
XXXX has not furnished me with a complete report of their fraud investigation, despite my requests. This lack of transparency prevents me from verifying the accuracy of the debt and resolving the matter appropriately. 
MCM 's collection efforts, including threats of lawsuits and attorney review without proper validation of the debt, may constitute harassing or deceptive practices. I have not received adequate proof that this debt is mine or that it has been properly investigated for fraud.

Under the FDCPA, I have the right to request validation of the debt, and collectors must cease collection activities until validation is provided. Additionally, under the FCRA, credit reporting agencies and furnishers must investigate disputes reasonably and provide accurate information. I believe both XXXX and MCM have failed in these obligations. 
What I Have Done So Far : Reported the card as stolen to XXXX on XX/XX/XXXX. 
Disputed the charges with XXXX. 
What I Want to Happen : A full investigation into XXXXXXXX XXXX  handling of my fraud report, including provision of the complete investigation report to me.

Validation of the debt by MCM, including original account statements showing the fraudulent charges and proof that the debt is legitimately mine.

Immediate cessation of all collection activities by MCM until the dispute is resolved.

Removal of any negative reporting related to this account from my credit reports by XXXX and MCM. 
Any appropriate penalties or remedies for violations of consumer protection laws.

I have attached a copy of the " Final Notice '' received from MCM for your reference. Please investigate this matter promptly and keep me informed of the progress and resolution. I can be reached at the contact information provided above.

Thank you for your assistance in protecting consumer rights. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief