Consumer complaint received 2025-03-03 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: MI

Complaint narrative:
I am writing to formally dispute and request the removal of an inaccurate and unverified collection account appearing on my credit reports from XXXX, XXXX, and XXXX. The details of the disputed account are as follows : Creditor Name : Midland Credit Management Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1200.00} Date Opened : XX/XX/XXXX Status : Collection Account Upon reviewing my credit reports, I have identified multiple errors, violations, and inconsistencies in how this account is reported across all three bureaus. These discrepancies, along with the failure to provide proper validation, warrant its immediate removal. 

1. Failure to Provide Proof of Debt Ownership Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, a debt collector must provide validation of the debt, including a purchase agreement or assignment of debt from the original creditor ( XXXX XXXX XXXX XXXX ). Despite my requests, Midland Credit Management has failed to provide any documentation proving they own or have the right to collect this debt. 

Without a valid purchase agreement or contractual proof, the debt is illegally being reported and must be removed. 

2. Inaccurate and Contradictory Reporting Across Bureaus The account information is inconsistent among the three major credit bureaus : XXXX Report ( Ref : Midland Credit Management ) [ 32 ] Account opened : XX/XX/XXXX Past due amount : {$1200.00} Reports as a collection account but lacks any payment history or verification of debt. 
The date of first delinquency is listed as XX/XX/XXXX, yet the account was supposedly opened in XX/XX/XXXX, which is contradictory and inaccurate. 

XXXX Report ( Ref : Midland Credit Management ) [ 33 ] Reports as a collection account with a balance of {$1200.00} past due as of XX/XX/XXXX. 
Inconsistent payment history : It shows a collection status before the account was even opened, which is impossible. 
Dispute comments indicate I have challenged this account, but Midland Credit Management has not provided valid documentation to verify it. 

XXXX Report ( Ref : Midland Credit Management ) [ 34 ] Shows no payment history at all, which contradicts the other reports.

Lists Midland Credit Management as an open account, whereas the other reports classify it as a debt buyer.

These inconsistencies violate 15 U.S.C. 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. Because Midland Credit Management has failed to provide a consistent and accurate report, this account should be removed from all credit bureaus.

3. Failure to Properly Investigate My Dispute Each credit report indicates that I have disputed this collection account. However, under 15 U.S.C. 1681i ( a ) of the FCRA, if a consumer disputes an account, the furnisher ( Midland Credit Management ) must : Conduct a reasonable investigation Delete any inaccurate or unverifiable information Since Midland Credit Management has not provided any valid documentation proving this debt, they are in violation of the FCRA and FDCPA and must remove this account.

Company response to consumer: Closed with explanation