Consumer complaint received 2026-04-26 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: MN

Complaint narrative:
Re : Formal Complaint Midland Credit Management FDCPA Violation : Failure to Respond to Debt Validation Demand To the Consumer Financial Protection Bureau : I am submitting this formal complaint against Midland Credit XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ), for violating the Fair Debt Collection Practices Act by failing to respond to a timely written debt validation demand and for potentially continuing collection activity including credit reporting during the mandatory cessation period. I. Background and the Debt at Issue XXXX XXXX XXXXXXXX is reporting itself as the owner of XXXX debts, Account : XXXX XXXX XXXX XXXX ( {$890.00} ) and Account : XXXXXXXX XXXX XXXX XXXX XXXX {$1200.00} ). These debts are showing up on my credit report as collections. XXXX. Timely Written Validation Demand Was Sent On XX/XX/year>, I sent Midland Credit Management a written debt validation demand pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act. My letter disputed the alleged debt in its entirety and requested comprehensive documentation, including : The name and address of the original and current creditor ; Documentation establishing my legal obligation for the debt ; A complete itemization of the alleged balance ; Copies of account statements showing how the amount was calculated ; A copy of the original credit agreement bearing my signature ; A complete chain of assignment from the original creditors to Midland Credit Management ; and Proof of Midland Credit Managements licensure to collect debts in the State of Minnesota. The demand letter expressly stated that a mere summary, printout, or database record would not constitute adequate validation under the FDCPA. III. Midland Credit Management Has Not Responded As of the date of this complaint almost three weeks after the XX/XX/year> demand Midland Credit Management has provided no response of any kind. No documentation has been produced. No acknowledgment has been received. No communication has been made. Under 15 U.S.C. 1692g ( b ), upon receipt of a written validation dispute, the collector must cease all collection activity until it provides adequate validation. Three weeks of silence raises serious questions about whether Midland Credit Management has complied with this obligation, particularly with respect to any ongoing credit reporting activity. IV. Potential Ongoing FCRA Violations If Midland Credit Management has updated, continued to report, or failed to mark this account as disputed on my credit reports at XXXX XXXX XXXX XXXX following receipt of my XX/XX/XXXX validation demand, this constitutes an additional violation both of the FDCPA 's cessation requirement and of the Fair Credit Reporting Act 's furnisher obligations under 15 U.S.C. 1681s-2. V. Relief Requested I respectfully request that the CFPB : Forward this complaint to Midland Credit Management and require a substantive written response within the Bureau 's standard timeframe ; Investigate whether Midland Credit Management violated 15 U.S.C. 1692g by failing to cease collection activity following my written validation dispute ; Investigate whether Midland Credit Management has continued to furnish or update credit reporting on this account without marking it as disputed, in violation of the FDCPA and FCRA ; Direct Midland Credit Management to produce full debt validation documentation or cease all collection activity and request deletion of any associated credit tradeline ; Take appropriate supervisory or enforcement action against Midland Credit Management for the violations described herein. I am prepared to provide any supporting documentation the XXXX requires, including a copy of the XX/XX/year> demand letter and proof of mailing.

Company response to consumer: Closed with explanation