Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I was contacted by Midland Credit Management Inc via phone on XX/XX/XXXX. They advised me that they were a collection agency and that I owed a debt to XXXX XXXXXXXX XXXX  and they had brought my debt from XXXX XXXX XXXX I advised them that I had no knowledge of a debt with XXXX XXXX XXXX. He proceeded to provide me with addresses that are not my address. One address belongs to a relative of mines and the other i have no knowledge of. It was a XXXX XXXX XXXX I advised the agent of this and he said the XXXX XXXX XXXX came directly from XXXX XXXXXXXX XXXX  but did not advise how they obtained my relatives address that they had on file. I asked the agent to provide a debt validation along with the original contract for this account. He directed me to a website ( midlandcredit.com ). I proceeded to go to this website and he provided me with an account number to enter. I entered the account number and saw various documents uploaded on this site. Some were labeled as statements and charge Statements from XXXX XXXX XXXX. There were two debt validation letters dates XX/XX/XXXX and XX/XX/XXXX. He asked me to review these documents and which i reviewed them while on the call with him. I advised him that these documents does not include the original contract which or any original documents that provide sufficient proof that I took out this debt with XXXX XXXX XXXX nor Midland Credit Management. I asked again for them to email me a copy of the original contract. He asked me to confirm my email address and again the email address that he had on file was not one that i recognized. I proceeded to give him my current email address. He then asked me to review the documents again and read the documents to him over the phone. I advised him that these documents were not documents that i was requesting. He proceeded to become combative with me. Telling me that things like " He hopes i understand how a conversation works '' and " Asking me to tell him the day to day of his job '' When i advised him that I worked in a similar field and I understand that i have the right to request the original contract. He proceeded to tell me that he didn't know what i was asking for and that if there was an original document that it would be with XXXX XXXX XXXX  and that the documents on the site were the only documents that he had to provide to me. When i advised him that these documents does not show proof that this account was taken out by me and that i have no knowledge of this account he began to say things like " well do you check your credit report? '' I asked if they were listed on my credit report as i do not routinely check my credit report. He proceeded to say that they were. I repeatedly asked him to provide the original contract or documents that show proof of who took this account out so i can do my due diligence he continued to tell me that these documents do not have to be provided to me and that he didn't know what documents i was requesting. He continued to tell me that those documents was with the other company who were the original lender. I am not liable for this debt with XXXX XXXX XXXX  and i do not have a contract with Midland Credit Management. They did not provide me with the original contract as I requested. And in fact refused to provide. XXXX

Company response to consumer: Closed with non-monetary relief