Consumer complaint received 2026-05-06 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: PA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : Notice of Dispute and FDCPA Validation Demand Consumer : XXXX XXXX XXXX, XXXX Last Four of SSN : XXXX Account Number : XXXX To Whom It May Concern : Our office represents XXXX XXXX XXXX XXXX, XXXX, with respect to the above-referenced account ( XXXX ) and any associated credit reporting. This correspondence constitutes a formal dispute regarding the accuracy and completeness of the information you are furnishing to consumer reporting agencies, and, to the extent applicable, a written request for validation and verification of the alleged debt under the Fair Debt Collection Practices Act. Our client disputes this account in its entirety, including the existence, amount, legal enforceability, ownership, and reporting accuracy of the alleged obligation. The account appears to be an allegedly purchased debt that was not incurred directly with your company, has not resulted in any lawsuit or judgment, and is believed to be beyond the applicable statute of limitations for commencement of legal action. Please conduct a reasonable investigation and provide the following documents and information : The name, address, and account number of the original creditor ; The complete chain of assignment, transfer, or ownership from the original creditor to the current reporting entity ; All documents establishing your authority to collect and furnish this account, including any bill of sale, assignment, purchase agreement, or transfer record ; A copy of the original signed contract, application, cardholder agreement, note, lease, or other originating agreement allegedly giving rise to the debt ; A complete payment history and itemization of the amount claimed, including principal, interest, fees, charges, credits, and any adjustments ; The date of first delinquency, date of last payment, charge-off date, and any date used to determine reporting or collection status ; Copies of any complaint, summons, judgment, or other court filing if you contend this account was the subject of litigation ; The specific basis on which you contend the account is accurate, legally collectible, and properly reportable as presently furnished. If you are unable to substantiate the debt, your ownership or collection authority, or the accuracy of the information reported, you must promptly delete the tradeline and instruct all consumer reporting agencies to remove it. Further, if you are a debt collector within the meaning of the Fair Debt Collection Practices Act, you are required to provide validation and verification consistent with XXXX U.S.C. XXXX. Any continued collection or furnishing activity that is inaccurate, incomplete, misleading, or not properly verified may violate the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Please provide a written response confirming the results of your investigation and enclosing all documentation supporting your reporting position. Nothing in this correspondence should be construed as a waiver of any rights or remedies, all of which are expressly reserved. XXXX XXXX XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Bar Id # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation