Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint against Midland Credit Management regarding unlawful debt collection practices, harassment, failure to validate an alleged debt, and inaccurate credit reporting. My information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : XXXX Company Information : Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Collection Amount : {$540.00} Complaint Details : This company repeatedly calls me on a daily basis despite my verbal requests that they stop contacting me by telephone. They have also called my workplace and family residence, which is causing unnecessary stress and embarrassment. Additionally, they continue sending emails and making collection attempts, but they have failed to provide proper proof that they legally own this alleged debt. I specifically requested that all communication be sent to my mailing address, yet they continue to ignore my request. On XXXX we did hear from the company attached is their letter and was promise no more phone calls. Also on XX/XX/XXXX I did mail them a letter too saying to stop. My phone number has been registered on the XXXX XXXX XXXX XXXXXXXX XXXX, yet the calls continue. I dispute this alleged debt in full and request immediate investigation. I demand that the company provide the following : 1. Proof that Midland Credit Management legally owns this debt, including complete chain of title/assignment. 2. Full payment history from the original creditor to present. 3. Original signed agreement or contract bearing my signature. 4. Name and address of the original creditor. 5. Itemized breakdown of the alleged balance, including fees and interest. 6. Copies of any documents they rely upon to report to credit bureaus. 7. Immediate correction or deletion of any inaccurate credit reporting. California and Federal Law Violations : Their conduct may violate : * Consumer Financial Protection Bureau rules under the Fair Debt Collection Practices Act ( FDCPA ), including harassment and failure to cease communication after request. * Fair Credit Reporting Act ( FCRA ) for inaccurate reporting. * California Rosenthal Fair Debt Collection Practices Act ( California Civil Code 1788 et seq. ). * California Consumer Credit Reporting Agencies Act. * Telephone Consumer Protection Act ( TCPA ) regarding repeated unwanted calls. Requested Resolution : 1. Immediate cease and desist from all phone calls to me, my workplace, and family. 2. Communicate only by XXXX Mail to my home address listed above. 3. Provide complete written validation of debt. 4. Correct or delete all inaccurate credit reporting. 5. If unable to fully validate ownership and amount, permanently remove the account from all credit bureaus. 6. Investigate their repeated unlawful contact practices. Please investigate this matter and require the company to comply with all federal and California consumer protection laws. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation