Consumer complaint received 2026-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
( " THIS IS NOT A DUPLICATE DISPUTE '' )!!!!! 

I am submitting this formal and aggressive complaint against Midland Credit Management , Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ), including failure to conduct any reinvestigation, refusal to provide chain of title or bill of sale, false and deceptive reporting, and reporting unverifiable alleged collection account ( s ) without full payment history or supporting data. 

Failure to Conduct a Re-Investigation On XX/XX/year>, when I filed my most recent dispute with Midland Credit Management, they labeled it a DUPLICATE DISPUTE. This is false. 

This is NOT a duplicate dispute. By claiming it was, Midland admitted that no reinvestigation was conducted, a violation of 15 U.S.C. 1681s-2 ( b ).

I do not trust that any legitimate reinvestigation occurred at any stage.

False and Deceptive Reporting Midland Credit Management is reporting ALLEGED COLLECTION ACCOUNT ( S ) as OPEN, CHARGED OFF, and with a PAST DUE BALANCE simultaneously.

None of the alleged accounts report a full and complete payment history from account opening through charge-off.

How can Midland lawfully report a delinquent collection account when it does not have full payment history or complete supporting data? Reporting in this manner is materially inaccurate, misleading, and deceptive, violating : - FCRA 1681e ( b ) Accuracy of information - FCRA 1681s-2 ( b ) Duty to investigate and correct inaccurate information Dispute History - XX/XX/year> : First dispute filed with Midland - XX/XX/year> : Second dispute requesting reinvestigation and full documentation - XX/XX/year> : Third dispute filed ; Midland responded by labeling it a DUPLICATE DISPUTE, but this is NOT a duplicate dispute and no reinvestigation was conducted Refusal to Provide Documentation, Chain of Title, and Bill of Sale Midland Credit Management asserts this alleged account belongs to me. If Midland claims ownership or reporting authority, I am legally entitled to receive ALL original and current documents used to verify the alleged account, including : - Complete chain of title from the original creditor to Midland - Bill of sale or assignment agreements demonstrating legal transfer of the debt - Original account agreement bearing my name and consent - Full and complete payment history - Documentation relied upon during any reinvestigation Midland has refused to provide any of the above, despite claiming that documentation was provided. I have received NOTHING. 

Billing statements and generic letters are NOT verification under FCRA guidelines. They do not establish ownership, accuracy, lawful reporting, or proper account aging. 

REQUIRED DOCUMENTATION TO LAWFULLY REPORT AN ACCOUNT AS VERIFIED To lawfully report this alleged account as verified, Midland Credit Management must possess and be able to produce ALL of the following : XXXX. Complete chain of title from the original creditor to Midland XXXX. Bill of sale or assignment agreement proving legal ownership of the debt XXXX. Original account agreement bearing my name and consent XXXX. Full and complete payment history from account opening through charge-off XXXX. Accurate Date of First Delinquency ( DOFD ) with no re-aging XXXX. Proof of balance accuracy and itemization XXXX. Charge-off documentation from the original creditor XXXX. All documents relied upon during the reinvestigation XXXX. Proof of legal authority to collect and report Without all of the above, Midland can not lawfully claim verification, in violation of 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ). 

CFPB Enforcement Guidance Per the CFPB Fair Credit Reporting Act Enforcement Guidance : - Furnishers must respond to disputes with complete and accurate documentation - Labeling disputes as duplicate to avoid investigation is prohibited - Reporting incomplete or unverifiable data constitutes unfair, deceptive, or abusive acts or practices ( UDAAP ) under the XXXX authority Credit Bureau Complicity Since XX/XX/year>, I have disputed these ALLEGED accounts multiple times with Experian, Equifax, and TransUnion. After Midlands false verification, the credit bureaus continued to report the account as verified without verifying that required documentation exists, demonstrating systemic failure. Midland continues to suggest it is the credit bureau that's reporting the misinformation but if they're getting the information from Midland how could it be misinformation The credit bureaus respond by saying 'VERIFIED '' and continues to state this is the information that was supplied by Midland . 

Requested CFPB Action I respectfully request that the CFPB : XXXX. Order the immediate deletion of the alleged Midland Credit Management account ( XXXX ) XXXX. Require Midland to produce full chain of title, bill of sale, and all verification documents, or permanently cease reporting XXXX. Investigate Midlands practice of labeling disputes as duplicate to avoid reinvestigation XXXX. Require credit bureaus to remove unverifiable and incomplete data If Midland Credit Management can not fully substantiate this alleged accounts with complete, accurate, and lawful documentation, continued reporting is illegal and must stop immediately. I request confirmation that this was done.

Company response to consumer: Closed with explanation