Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
[ Subject : Complaint Regarding Debt Collection Practices by Midland Credit Management and XXXX XXXX XXXX  Dear Sir/Madam , I am writing to file a formal complaint against Midland Credit Management ( MCM ) and XXXX XXXX XXXX for their alleged violations of the Fair Debt Collection Practices Act ( FDCPA ) and other consumer protection laws. Their actions appear to be unlawful and harmful to consumers like myself. 

Specifically, the following issues have occurred : XXXX. **Failure to Provide a Full and Complete Debt Validation** : I have repeatedly requested validation of the alleged debt ( Account Number : XXXX ) that Midland Credit Management claims I owe. Despite these requests, I have never received a complete breakdown of the alleged debt, including all details such as the principal balance, interest, fees, and other charges. This information is required by the FDCPA ( 15 U.S.C. 1692g ), and failing to provide it is a direct violation of the law. 

XXXX. **Misleading Ownership of the Debt** : Based on correspondence from XXXX XXXX XXXX  XXXX XXXX understand that they no longer own the alleged debt. If Midland Credit Management is now the debt owner, they are obligated to provide me with proof of ownership, a breakdown of the debt, and evidence of a legally binding contract obligating me to pay the amount they claim. Despite my requests, no such documentation has been provided. Instead, I am left in a state of confusion regarding who truly owns the debt and who has the authority to collect it. 

3. **Illegal Reporting to Credit Bureaus** : Given the lack of validation and proper documentation, Midland Credit Management must cease reporting this alleged debt to all credit bureaus immediately. Continuing to report unverified and undocumented debts is misleading and damages my credit unlawfully.

4. **Unfair and Deceptive Practices** : Midland Credit Managements neglect in providing validation, along with the conflicting information Ive received , appears to be a deliberate attempt to mislead and frustrate me. Under the FDCPA, such actions are prohibited ( 15 U.S.C. 1692e and 1692f ). 

As a consumer, I have the right to : - Receive a full and complete validation of any alleged debt within 30 days of request. 
- Be provided clear and accurate information about the ownership and breakdown of the alleged debt. 
- Be free from deceptive, unfair, or unconscionable practices by debt collectors. 

I respectfully request that the Federal Trade Commission and CFPB investigate this matter and hold Midland Credit Management ( who was recently fined by the cfpb for these same violations ) accountable for their actions. These practices undermine consumer protections, harm my financial well-being, and violate federal law. 

If additional information is required to support this complaint, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your attention to this matter. I look forward to your response and any updates regarding the investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief