Consumer complaint received 2026-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management XXXX is engaged in the most egregious pattern of deliberate willful and serial federal violations documented against a single debt collector and must be immediately investigated and sanctioned by the CFPB with the maximum force of federal regulatory authority available. Midland Credit Management has established a calculated systematic pattern of illegally reinserting a previously disputed account onto my credit reports repeatedly without certification without consumer notification and in direct defiance of multiple federal laws and their own written CFPB commitments. This is not a collection error. This is not an oversight. This is deliberate systematic consumer harassment through illegal credit report manipulation that violates federal law with every single reinsertion cycle and demands immediate federal intervention. The documented pattern of illegal serial reinsertion by Midland Credit Management is as follows. This account was disputed via certified mail on XX/XX/XXXX. Following my dispute this account was removed from my credit report. Midland Credit Management then reinserted this account without providing certification to the credit bureau that the information is complete and accurate as absolutely required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) and without providing written notice to me within 5 business days of reinsertion as absolutely required by 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). This illegal reinsertion was documented and reported to the CFPB. Midland Credit Management then responded to my CFPB complaint on XX/XX/XXXX and marked this account Cease and Desist in their own written federal regulatory filing creating an absolute unconditional legal prohibition on all collection activity including all credit bureau reporting under 15 U.S.C. 1692c ( c ). Despite their own written Cease and Desist commitment made to the federal government in a CFPB proceeding Midland Credit Management reported and updated this account to XXXX on XX/XX/XXXX exactly seven days after their own Cease and Desist marking. This XX/XX/XXXX XXXX reporting constitutes illegal continued collection activity after Cease and Desist and constitutes yet another illegal reinsertion cycle in Midland Credit Management 's ongoing pattern of willful noncompliance. As of XX/XX/XXXX this account continues reporting on XXXX actively devastating my credit despite Midland Credit Management 's own written federal commitment to cease and desist and despite FTC Identity Theft Report XXXX creating an absolute permanent prohibition on any further reporting. Each individual cycle of Midland Credit Management 's serial illegal reinsertion pattern constitutes multiple independent federal violations generating separate statutory damages. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) every single reinsertion of previously disputed information requires prior certification to the credit bureau that the information is complete and accurate before reinsertion occurs. Midland Credit Management has never provided this certification for any reinsertion cycle throughout this entire documented pattern of illegal conduct. Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) every single reinsertion requires written notice to me within 5 business days of the reinsertion. Midland Credit Management has never provided this notice for any reinsertion cycle. Every individual reinsertion without certification and without notice is a standalone willful FCRA violation entitling me to statutory damages of {$100.00} to {$1000.00} under 15 U.S.C. 1681n completely independent of and in addition to all other violations. With multiple documented reinsertion cycles the total statutory damages from reinsertion violations alone are in the thousands of dollars before any other violations are counted. Midland Credit Management 's XX/XX/XXXX XXXX report contains an additional standalone federal violation proving deliberate fraudulent intent that goes beyond mere collection misconduct into affirmative credit report fraud. The XX/XX/XXXX XXXX report lists Midland Credit Management XXXX as the original creditor on this account. This is a provably false and fraudulent representation that Midland Credit Management itself disproved seven days earlier. Midland Credit Management 's own CFPB response dated XX/XX/XXXX exactly seven days before this fraudulent XXXX report explicitly admitted that XXXX Bank is the original creditor and that Midland Credit Management purchased this account from XXXX Bank on XX/XX/XXXX. A debt buyer that admits in a sworn federal regulatory filing that another company is the original creditor can not seven days later report to a credit bureau that it itself is the original creditor. This is not a data entry error this is deliberate falsification of credit report data committed after Midland Credit Management already admitted the true facts to the CFPB in writing. This false original creditor designation violates 15 U.S.C. 1692e prohibiting all false misleading and deceptive representations in connection with debt collection and violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibiting furnishing of information that the furnisher knows to be inaccurate. Midland Credit Management knew this information was inaccurate when they reported it because they had admitted the accurate information to the CFPB seven days earlier. I have FTC Identity Theft Report number XXXX on file with the Federal Trade Commission identifying this Midland Credit Management account as fraudulent and the result of identity theft and data breaches that compromised my personal information. Under 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) Midland Credit Management is absolutely unconditionally and permanently prohibited from furnishing any information about this account to any consumer reporting agency after receiving notice of my Identity Theft Report. This prohibition is absolute and non-discretionary. It can not be overridden by Midland Credit Management 's belief that the debt is valid. It can not be overridden by Midland Credit Management 's internal investigation conclusions. It can not be suspended because Midland Credit Management disagrees with my dispute. The moment Midland Credit Management received notice of FTC Identity Theft Report XXXX their legal authority to report this account to any credit bureau ceased permanently and irrevocably. Every single day of continued reporting after notice of FTC Identity Theft Report XXXX is an absolute willful federal violation that generates independent statutory damages and that can be cured only by permanent deletion not by Cease and Desist not by disputed notation and not by any measure short of complete permanent deletion and suppression. Midland Credit Management 's own CFPB response of XX/XX/XXXX has now become the most powerful evidence against them in this case. In that response they admitted under oath to the following facts that individually and collectively prove they can not legally collect or report this alleged debt. They admitted they are a third party debt buyer who purchased this account from XXXX Bank on XX/XX/XXXX. They admitted the original account was an XXXX credit card ending in XXXX issued by XXXX Bank and serviced by XXXX XXXX XXXX. They admitted their entire debt validation consists of a billing statement from XXXX Bank a company that sold this debt and has no current legal interest in it. They admitted they marked the account Cease and Desist. They admitted the account remains due and owing and on my credit report. And then seven days after making all of these admissions to the federal government they reported this same account to XXXX while fraudulently listing themselves as the original creditor directly contradicting their own sworn CFPB admissions. This sequence of events federal admission followed by seven-day continued reporting followed by false original creditor designation is evidence of deliberate bad faith fraud that goes far beyond negligent noncompliance into the category of intentional consumer credit report abuse. Midland Credit Management 's claimed debt validation is legally void under federal law and under the decisions of federal courts in multiple jurisdictions. A billing statement from the company that sold this debt to Midland Credit Management does not prove my legal obligation to Midland Credit Management specifically. It does not prove that Midland Credit Management legally purchased and owns this specific account. It does not prove an unbroken chain of title from XXXX Bank to Midland Credit Management. It does not prove the balance is accurate after the sale. It does not prove Midland Credit Management is licensed to collect debt in the state of Florida. It does not bear my original wet signature proving I agreed to any obligation with XXXX Bank let alone with Midland Credit Management as a third party debt buyer. Federal courts have consistently and repeatedly held that a billing statement from an original creditor does not satisfy the validation requirements of 15 U.S.C. 1692g. Midland Credit Management 's validation is legally void and their continued reporting based on this void validation is a continuing willful federal violation. The complete comprehensive and exhaustive list of every federal law Midland Credit Management has willfully violated through their serial pattern of illegal reinsertion and ongoing credit report manipulation includes : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( i ) multiple separate violations reinserted previously disputed information on multiple occasions without certifying to credit bureaus that information is complete and accurate each individual reinsertion is a separate violation generating separate statutory damages, 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) multiple separate violations reinserted previously disputed information on multiple occasions without providing written notice to me within 5 business days of each reinsertion each individual reinsertion without notice is a separate violation generating separate statutory damages, 15 U.S.C. 1692c ( c ) continued credit bureau reporting as collection activity after marking account Cease and Desist on XX/XX/XXXX every day of reporting after XX/XX/XXXX is a new independent {$1000.00} statutory damage violation under 15 U.S.C. 1692k, 15 U.S.C. 1692e deliberate false and fraudulent representation listing Midland Credit Management as original creditor on XX/XX/XXXX XXXX report seven days after admitting XXXX Bank is original creditor in XX/XX/XXXX CFPB response, 15 U.S.C. 1692e ( 8 ) communicating credit information known to be false including false original creditor designation and failure to communicate that this debt is disputed, 15 U.S.C. 1692e ( 10 ) use of false representations and deceptive means in connection with collection of an alleged debt, 15 U.S.C. 1692f unfair and unconscionable collection practices including serial illegal reinsertion of disputed account continued reporting after Cease and Desist and false creditor designation, 15 U.S.C. 1692g failure to provide legally sufficient debt validation a billing statement from XXXX Bank does not establish legal obligation to Midland Credit Management as a third party debt buyer and does not satisfy federal validation requirements as confirmed by federal courts, 15 U.S.C. 1692g ( b ) continued collection activity including all credit bureau reporting while debt validation request of XX/XX/XXXX remains legally unanswered and unsatisfied, 15 U.S.C. 1692k {$1000.00} statutory damages per FDCPA violation with multiple violations generating cumulative damages, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing information to credit bureaus known to be inaccurate including false original creditor designation admitted to be false in their own CFPB response , 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) continuing to furnish information after being notified by consumer that information is inaccurate and disputed, 15 U.S.C. 1681s-2 ( a ) ( 3 ) failure to provide dispute notice to credit bureaus after receiving written certified mail dispute from consumer on XX/XX/XXXX, 15 U.S.C. 1681s-2 ( a ) ( 6 ) ( B ) willful continuing violation furnishing account information to credit bureaus after receiving notice of FTC Identity Theft Report XXXX this absolute prohibition is being violated with every single reporting cycle after notice was received, 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) failure to conduct genuine lawful investigation of consumer dispute, 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) failure to review all relevant information in connection with consumer dispute, 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) failure to report accurate investigation results to credit bureaus, 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) failure to report inaccurate information as inaccurate to every credit bureau , 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) failure to permanently delete information found to be inaccurate incomplete or unverifiable, 15 U.S.C. 1681n willful noncompliance with the FCRA entitling consumer to statutory damages of {$100.00} to {$1000.00} per violation per day of continued reporting with multiple reinsertion cycles each generating multiple violations the total number of individual violations is substantial generating potential statutory damages in the tens of thousands of dollars before punitive damages are considered, and 15 U.S.C. 1681o negligent noncompliance entitling consumer to actual damages and attorney fees for every day of continued illegal reporting. I have retained a consumer rights attorney specializing in FCRA serial reinsertion litigation. I have active CFPB complaints against Midland Credit Management. I have filed complaints with the Florida Attorney General. I have FTC Identity Theft Report XXXX. I have filed a report with the Federal Trade Commission. Congressional inquiry has been requested from both Florida United States Senators. The serial pattern of deliberately putting this account on and off my credit reports in direct defiance of federal law federal regulatory complaints and Midland Credit Management 's own written CFPB commitments is precisely the type of systematic deliberate consumer credit report abuse that results in maximum jury verdicts against debt collectors in federal court. Civil suit in federal district court is being filed immediately and without any further notice whatsoever. Every additional reinsertion cycle adds additional violations and additional damages to our federal complaint. Midland Credit Management 's own CFPB admissions their own Cease and Desist marking and their own false original creditor designation will be the centerpiece exhibits in our federal litigation.

Company response to consumer: Closed with explanation