Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
FTC complaint attached. I am filing this complaint against Midland Credit Management , Inc. for unlawful debt collection practices, failure to provide required written notice, continued harassment, and improper credit reporting, in violation of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and XXXX XXXX reporting standards.

Midland Credit Management is attempting to collect an alleged debt in the amount of {$4200.00}, which it claims originated from a XXXX XXXX charge-off. I dispute this debt and deny owing it.

First violation excessive and harassing calls : Midland has repeatedly called me an excessive number of times regarding this alleged debt, including calls outside normal business hours. This conduct constitutes harassment and violates FDCPA 1692d and 1692c ( a ) ( 1 ), which prohibit abusive collection practices and restrict communications at inconvenient times. These calls continued despite the debt being disputed.

Second violation failure to provide written notice : I never received the required written notice of this alleged debt prior to Midland engaging in collection activity. This is a direct violation of FDCPA 1692g ( a ), which requires a debt collector to send written notice of the debt and validation rights within five ( 5 ) days of initial communication. This violation alone carries statutory damages of up to {$1000.00} under FDCPA 1692k.

Third violation failure to validate the debt : After Midland contacted me, I timely requested proper debt validation. To date, Midland has failed to provide lawful validation and has continued collection activity. Under FDCPA 1692g ( b ), all collection activity must cease until validation is provided. Continued phone calls and any credit reporting during this period are unlawful.

Proper validation of a debt requires, at minimum : Proof that Midland has legal authority to collect the debt A complete chain of assignment from XXXX  XXXX to Midland Identification of the original creditor, original account number, and date of default An itemized accounting showing how the alleged balance of {$4200.00} was calculated Documentation demonstrating that the debt is accurate, enforceable, and owed by me Midland has provided none of this information.

If Midland is furnishing or continuing to furnish this alleged debt to consumer reporting agencies, such conduct violates FCRA 1681e ( b ) ( failure to ensure maximum possible accuracy ) and FCRA 1681s-2 ( b ) ( failure to conduct a reasonable investigation after dispute ). Furnishing an unvalidated debt is inaccurate by definition. Continued reporting also violates XXXX XXXX standards, which prohibit reporting accounts that can not be substantiated with competent documentary evidence.

I have already filed an FTC complaint against Midland Credit Management regarding these practices. This CFPB complaint is being filed to document Midlands continued violations and to request regulatory enforcement.

Company response to consumer: Closed with non-monetary relief