Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I am submitting this complaint regarding inaccurate, inconsistent, and potentially misleading credit reporting and debt collection practices involving Midland Credit Management. After reviewing both my credit reports and Midland Credit Managements internal account portal, I discovered significant discrepancies between the accounts Midland claims to own or collect and the accounts actually being reported to the credit bureaus. Midland Credit Managements portal currently reflects the following accounts : XXXX XXXX XXXXXXXX Acct : XXXX {$1100.00} XXXX XXXX XXXX : XXXX {$940.00} XXXX XXXX XXXX Acct : XXXX {$560.00} XXXX XXXX XXXXXXXX Acct : XXXX {$1100.00} XXXX XXXX XXXX XXXX Acct : XXXX {$590.00} XXXX XXXX Acct : XXXX {$1100.00} However, only the XXXX and XXXX accounts are currently reporting as Midland Credit Management collection accounts on my credit reports. The remaining accounts continue reporting under the original creditors as charged-off accounts. Additionally, there appear to be duplicated account numbers associated with different creditors/accounts, including : XXXX Acct : XXXX appearing for both XXXX XXXX and XXXXXXXX XXXX Acct : XXXX appearing for both XXXX XXXX and XXXX XXXX XXXX These inconsistencies raise serious concerns regarding : * Accuracy of ownership reporting * Accuracy of balances being reported * Proper assignment and transfer documentation * Potential duplicate or misleading reporting * Reliability of Midlands account records * Verification procedures used before furnishing information to consumer reporting agencies I dispute the accuracy and completeness of all accounts associated with Midland Credit Management and requested formal validation directly through Midlands dispute system. Specifically, I requested : * Proof of Midlands legal ownership or assignment rights * Chain of assignment or sale documentation * Original account agreements/contracts * Itemized accounting records * Verification of balances * Verification of delinquency dates and reporting dates At this time, I am concerned that Midland Credit Management may be reporting or attempting to collect accounts without maintaining accurate and verifiable records. The conflicting account numbers and inconsistent reporting between Midlands own system and the consumer reporting agencies raise concerns about the reliability and accuracy of the information being furnished. If debts were sold or transferred to Midland Credit Management, then all reporting must accurately reflect ownership, transfer status, and balances. I am concerned the current reporting may misrepresent the legal status of the debts and potentially create duplicate liability reporting. I request that the CFPB require Midland Credit Management and all related furnishers to conduct a complete investigation under the Fair Credit Reporting Act and Fair Debt Collection Practices Act and correct or delete any inaccurate, incomplete, unverifiable, duplicated, or misleading information being reported regarding these accounts.

Company response to consumer: Closed with explanation