Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Formal complaint and response to the ongoing, inadequate correspondence from Midland Credit Management XXXX XXXX ( MCM ) particularly the responses from XXXX XXXXXXXX XXXX XXXX  XXXX of XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX, Consumer support services. All individuals have failed to provide honorable justification for XXXX  actions and continue to ignore or misrepresent material facts. 
Unfortunately, each letter fails to substantively address several key allegations and factual deficiencies presented in my original complaint. This response will clarify and reiterate my position, and to formally notify Midland Credit Management XXXX XXXX ( MCM ) that this organization has not provided honorable standing, permissible purpose, or evidence to justify the collection actions initiated against me. 
The basis of an agreement including Seller : XXXX XXXX of XXXX XXXX. ID XXXX XXXX XXXXXXXX and Buyer XXXX XXXXXXXX XXXX of Midland Credit Management XXXX XXXX XXXX accepted the position of authorized representative of Midland Credit Management XXXX XXXX XXXX successfully violated my rights and damaged my credit files as a result. 
I reiterate my objection to XXXX attempts to collect on an alleged debt without proper documentation, legal standing, or adherence to federal laws including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC ). 
XXXX XXXX has not produced any evidence that MCM had a permissible purpose under the FCRA to : Access my credit report, report data to the credit bureaus, possess or use my personal identifiable information ( PII ) Despite repeated requests, XXXX XXXX, failed to provide a signed agreement between myself and XXXX XXXX or proof that I authorized any assignment of debt or release of my information. A third-party purchase agreement between XXXX XXXX ( XXXX XXXX ) and XXXX XXXX ( XXXX ) does not establish legal standing or liability on my part. 
XXXX XXXX, ignored my point regarding XXXX lack of standing under UCC 3-302. No negotiable instrument or valid assignment has been presented. 
XXXX XXXX, and XXXX have sent communications containing terms like Final notice, Attorney review planned, and Garnishment of wages. These statements appear designed to intimidate and violate FDCPA 807 ( 2 ) ( A ) and 808 ( 1 ). 
XXXX XXXX, stated that XXXX  service occurred on XX/XX/XXXX the same day I reported a harassment incident involving an MCM representative at my private residence. MCM has not disclosed : The name or credentials of the agent, their legal authority to approach my home, why the visit occurred outside business hours, when XXXX  own records ( and XXXX tracking ) indicated the office was closed XXXX XXXX letter dated XX/XX/XXXX, referenced important disclosures on the reverse side. However, no such disclosures were included. This omission is a direct violation of the FDCPAs disclosure requirements. 
XXXX XXXX, claims MCM is reporting accurately, yet MCM has failed to provide : Honorable proof of ownership or assignment of the alleged debt, original account documentation or agreement, the method of verification used with credit bureaus, a copy of the XXXX XXXX format data submitted, temporary suppression or removal of the tradeline during the dispute Until these requests are fulfilled, XXXX XXXX claims remain unsupported, and all actions taken by MCM to collect this alleged debt shall be treated as continued violations of : 15 U.S. Code 1692 ( FDCPA ) ,15 U.S. Code 1681 ( FCRA ), and the fair Business Practices Act ( XXXX  ) This letter serves as further notice of the dispute, and an additional Cease and Desist order. If this matter proceeds to litigation, I will pursue assertive remedies, including but not limited to injunctive relief, statutory damages, and attorneys fees.

Company response to consumer: Closed with non-monetary relief