Debt collection -- Attempts to collect debt not owed -- Complaint #13321662
Complaint Overview
Complaint ID: 13321662
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Texas
ZIP Code: 77043
Date Received: 2025-05-03T12:00:00-05:00
Date Sent to Company: 2025-05-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Midland Credit Management is reporting a collection account that I never authorized, opened, or agreed to. I have not been presented with a copy of any original signed agreement proving I am legally obligated for this debt. Under FCRA Section 623 and FDCPA Section 809 ( b ), furnishers of information must fully verify a debt before reporting it to the credit bureaus. Providing internal records, account numbers, or balance data does not constitute legal validation. Midland Credit Management has not provided any contract or legally binding documentation bearing my signature. Reporting a tradeline without legal validation is a violation of federal consumer protection laws. I am requesting full deletion of this tradeline from all credit bureaus unless Midland Credit Management can furnish an original signed agreement showing I am contractually responsible.
Frequently Asked Questions
What is Complaint #13321662 about?
Complaint #13321662 was filed against Encore Capital Group INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-05-03T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Encore Capital Group INC.?
Yes, visit the Encore Capital Group INC. company profile at readthecomplaint.com/company/encore-capital-group-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.