Consumer complaint received 2026-04-20 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: IL

Complaint narrative:
I have sent them XXXX letters XXXX certified and asked for their MOV, they send me downloaded docs with a persons name of XXXX- that is NOT my name! They sent me XXXX billing statement from XXXX and NOTHING else. Rebuttal to Midland Credit Management Response Midland Credit Managements response confirms that this account is being inaccurately reported and failed to provide a lawful Method of Verification as required under the Fair Credit Reporting Act. In response to my complaint, they submitted only a single account statement from XXXX. This does not constitute proper verification of the debt. Specifically, Midland failed to provide : complete payment history Documentation proving I am the party responsible for this debt A contract or agreement bearing my signature Proof of assignment or ownership of the alleged debt An itemization showing how the balance was calculated A single statement does not verify the accuracy, ownership, or enforceability of this account. Under FCRA 611 ( a ) ( 7 ), I requested a description of the procedure used to determine the accuracy and completeness of the information. Midland has failed to provide that. Because Midland has not properly verified this account, I am requesting : Immediate deletion of this account from all credit reporting agencies Confirmation that the account will no longer be reported An explanation of how they verified this account with such insufficient documentation If this matter is not resolved, I am prepared to escalate this complaint for further enforcement. The attachment they provided is labeled XXXX, XXXX, which is not my name. My name is XXXX XXXX. This indicates that Midland is relying on documentation associated with a different individual to justify reporting this account. This is not a valid Method of Verification under the Fair Credit Reporting Act. It raises serious concerns of mixed file reporting and improper identity matching. Additionally, Midland failed to provide : Any document bearing my correct legal name Any contract or agreement signed by me Any complete payment history Any proof of ownership or assignment of the debt Providing documentation tied to another individual is not verification. It is evidence that this account is inaccurate and does not belong to me. Under FCRA 611, this account must be deleted due to failure to properly verify and due to inaccurate identifying information. I am requesting : Immediate deletion of this account from all credit reporting agencies Written confirmation of deletion An explanation of how Midland verified this account using incorrect identity information If this issue is not resolved, I am prepared to escalate this matter further for violations of federal law. Furnisher provided documentation under a different name ( XXXX XXXX ). This is not my identity. Account is inaccurately reported and must be deleted. Midland Credit Management provided documentation that contains some overlapping account details ; however, the documentation is associated with the name XXXX XXXX, which is not my name. This demonstrates that Midland is relying on data that is not clearly tied to my identity. Partial matching information does not constitute proper verification under the Fair Credit Reporting Act. Midland has failed to demonstrate that I am the individual responsible for this account, and therefore the account must be deleted.

Company response to consumer: Closed with explanation