Consumer complaint received 2026-06-08 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: NV

Complaint narrative:
* * Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Balance Reported : * * {$890.00} * * Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : * * Open Collection Account * * Original Creditor : * * Not Reported/ Unknown * * Complaint * * I am filing this complaint against Midland Credit Management , Inc. regarding a collection account being reported on my consumer credit reports. Midland Credit Management is reporting a collection account with a balance of {$890.00}. However, the account information being furnished is incomplete because the original creditor is not identified. Without disclosure of the original creditor, I am unable to determine the source, ownership, validity, or accuracy of the alleged debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate and complete information to consumer reporting agencies. Reporting a collection account without identifying the original creditor raises concerns regarding the accuracy and completeness of the information being furnished. Additionally, under 15 U.S.C. 1681s-2 ( b ), once a dispute is received, Midland Credit Management must conduct a reasonable investigation and review all relevant information before continuing to furnish information regarding the account. The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e and 1692f, prohibits debt collectors from using false, deceptive, misleading, unfair, or unconscionable means to collect or report debts. Debt collectors must maintain sufficient records to establish the existence, amount, ownership, and legal collectability of debts they seek to collect or report. I dispute the validity, ownership, and accuracy of this alleged debt and request that Midland Credit Management provide : XXXX. Identification of the original creditor. XXXX. The original account number associated with the alleged debt. XXXX. Documentation proving I am legally responsible for the debt. XXXX. Documentation demonstrating Midland Credit Management 's ownership of or authority to collect the debt. XXXX. Documentation showing the complete chain of assignment, transfer, or sale of the account. XXXX. A complete payment history and accounting supporting the balance being reported. XXXX. Documentation establishing the date of first delinquency. XXXX. Verification that all information reported to consumer reporting agencies complies with the Fair Credit Reporting Act and Metro 2 reporting standards. XXXX. Documentation supporting the amount being reported and demonstrating that the balance is accurate. The Consumer Financial Protection Bureau has emphasized that debt collectors and furnishers must maintain reasonable procedures to ensure the accuracy and integrity of information furnished to consumer reporting agencies. If Midland Credit Management can not provide competent evidence validating the debt, continued reporting may constitute the furnishing of inaccurate, incomplete, misleading, or unverifiable information. * * Requested Resolution * * I request that Midland Credit Management conduct a thorough investigation and provide complete documentation supporting the validity, ownership, and accuracy of the alleged debt. If the account can not be fully validated and verified, I request immediate deletion of the account from all consumer reporting agencies. I further request correction of any inaccurate, incomplete, misleading, or unverifiable information currently being reported and written confirmation of the results of the investigation.

Company response to consumer: Closed with explanation