Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am submitting this complaint regarding the debt collection activities of Midland Credit Management and parties acting on its behalf. I timely disputed the alleged debt and requested validation. While Midland subsequently provided certain documents, I believe the documentation provided was insufficient to establish the validity of the debt and Midlands authority to collect it. Despite my continued dispute and requests for validation, collection efforts continued, including communications indicating possible legal action. Detailed Timeline Initial Contact Midland Credit Management initially contacted me by telephone and requested personal information. Because I could not independently verify the identity of the caller, I declined to provide personal information and requested that all future communications be sent by mail. XX/XX/year> I received Midland Credit Managements initial written collection notice regarding an alleged debt. XX/XX/year> I sent a written dispute of the alleged debt along with a request for debt validation and a cease-and-desist notice. In my correspondence, I requested documentation sufficient to establish the validity of the debt and Midlands authority to collect it. XX/XX/year> I received a response from Midland Credit Management containing copies of billing statements. However, I believe the documentation provided was insufficient to establish the validity of the alleged debt and Midlands authority to collect it. Specifically, the documents did not adequately address my dispute or provide the information necessary to verify the debt to my satisfaction. XX/XX/year> I received correspondence from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The correspondence indicated the firm was acting as a debt collector regarding the same disputed account. XX/XX/year> Because I continued to dispute the alleged debt and believed the prior response did not adequately address my request, I sent a second written debt validation request. In that correspondence, I explained that the documents previously provided were insufficient to establish the validity of the debt and Midlands authority to collect it. XX/XX/year> I received a Pre-Legal Notification from Midland Credit Management. The notice acknowledged receipt of my cease-and-desist request but stated that Midland intended to pursue available remedies and was considering forwarding the matter to an attorney licensed in my state. Nature of the Dispute I disputed the alleged debt and requested validation. Although Midland provided certain documents, I believe the documentation provided was insufficient to establish : * The validity of the alleged debt; * The amount claimed to be owed ; * Midland Credit Managements authority to collect the debt; * The basis upon which Midland claims ownership of or rights to collect the account. Despite my ongoing dispute and requests for validation, collection activity continued, including communications from a law firm and a pre-legal notice indicating potential escalation of collection efforts. Requested Resolution I respectfully request that Midland Credit Management : 1. Conduct a thorough investigation of my dispute. 2. Provide documentation sufficient to establish the validity of the alleged debt and its authority to collect it. 3. Explain the basis for continuing collection activity while my dispute remained unresolved. 4. Correct any inaccurate information that may have been reported regarding this account. 5. Provide a written response addressing the concerns raised in this complaint. Supporting Documents * Initial collection notice ( XX/XX/year> ) * Debt dispute and validation request ( XX/XX/year> ) * Midland response with billing statements ( XX/XX/year> ) * Correspondence from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/year> ) * Second debt validation request ( XX/XX/year> ) * Midland pre-legal notification ( XX/XX/year> ) This complaint is submitted in good faith and reflects my ongoing dispute regarding the alleged debt and my concern that the documentation provided has not sufficiently established the debt or Midland Credit Managements authority to collect it.

Company response to consumer: Closed with explanation