Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
To : Midland Credit XXXX XXXX : Formal Dispute of Alleged Debt / Request for Validation / Notice of Harassment To Whom It May Concern : This letter serves as a formal response to the ongoing and repeated attempts by Midland Credit XXXX ( MCM ) to collect on an alleged debt that I do not owe. Over the past XXXX years, I have been harassed multiple times by your company, resulting in the unnecessary use of my personal XXXX XXXX XXXX ( XXXX ), undue stress, and significant disruption to my academic and professional life. 
Between XXXX and XXXX, I was fully engaged in both academic and athletic commitments, including being a dual-sport collegiate XXXX ( track and football ), and completing coursework in XXXX and pre-medical studies. I am able to present a complete and verified timeline of my activities during this period, which clearly shows that I was not involved in nor responsible for the creation of the alleged account in question. 
I have made every good faith effort to comply with your previous requests, including : Filing a police report regarding the identity theft. 


Placing a fraud alert on my credit reports. 


Providing supporting documentation and a full timeline of my whereabouts and activities. 


Mailing all relevant materials via certified mail with proof of delivery. 


Despite my cooperation, your company has failed to provide any credible documentation or verification to support the validity of this debt. I have previously requested, and again demand, the following information pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) : The original agreement authorizing MCM to collect on the alleged debt. 


A copy of the agreement bearing my signature acknowledging any obligation to pay the creditor. 


Details of any insurance claims made regarding the account. 


Copies of any judgments obtained. 


The name and address of the original creditor. 


The name on file of the alleged debtor. 


The account number associated with the debt. 


The address on file linked to the account. 


The exact amount of the alleged debt. 


The date the debt allegedly became payable. 


The date of original charge-off or delinquency. 


Proof that the debt was sold or assigned to MCM. 


A complete accounting of the alleged debt. 


Any commissions associated with collection on this account. 


The method used to verify and validate the alleged debt. 


In previous court proceedings, your representatives failed to provide this documentation. My case was mishandled by XXXX different individuals, all of whom lacked critical information or presented conflicting statements. At XXXX point, your company even requested that I contact my estranged biological father, despite knowing he has not been involved in my life for years. This is not only inappropriate, but borders on abusive conduct. 
Additionally, your company has : Sent unverified documents to multiple court jurisdictions. 


Tied my current verified personal information to a fraudulent and invalid account. 


Repeatedly mishandled my data, resulting in identity theft and privacy violations. 


Ignored a Cease and Desist request and continued contact. 


Been removed from my credit reports for harassment and fraud by major credit bureaus. 


This current case marks the fifth instance of improper and harassing contact from your company over this matter. If this behavior continues, I will have no choice but to seek further legal remedy including a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and if necessary, file a claim for damages due to repeated violations of the FDCPA, FCRA, and other applicable privacy and consumer protection laws. 
You are hereby notified to cease all communication regarding this matter unless it includes complete and legally valid documentation as outlined above. Continued attempts to pursue this unsubstantiated claim will be treated as willful harassment and reported accordingly. 




XXXX years later on XX/XX/XXXX Midland credit again sued me on a Monday. They did so after requiring use all my personal work XXXX investigate the issue the harassed me with. In court they lied about documents received and doubled back multiple time. They also had a XXXX representative and different person in court after mishandling my case and sending other they pinned the blame of lost documents on me without any proof and told me to provide proof that the credit card was mine instead of them providing proof that it was. The judge through XXXX bias and discrimination did not request any other documents from Midland Credit, did not ask them for proof and instead agreed with the company and told them it was my job to pay the full XXXX for a debt that was fraud because someone has to pay for it he told me I was wasting XXXX credits time even while they have put me years in debt

Company response to consumer: Closed with explanation