Debt collection -- Written notification about debt -- Complaint #14008437
Complaint Overview
Complaint ID: 14008437
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: South Carolina
ZIP Code: 29456
Date Received: 2025-06-10T12:00:00-05:00
Date Sent to Company: 2025-06-10T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally file a complaint against Midland Credit Management regarding their ongoing attempts to collect a debt I do not owe and their reporting of this false debt to credit reporting agencies. I have no contractual agreement with Midland Credit Management, nor have I ever authorized or acknowledged any account with them. Their actions are unlawful, deceptive, and in violation of both federal and South Carolina consumer protection laws. Specifically : Midland Credit Management has reported a debt to the credit bureaus under my name that is false and unauthorized. I have no business relationship or signed agreement with their company. I am demanding that all collection activities cease immediately in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). Their continued reporting of this disputed debt violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits furnishing inaccurate or unverifiable information to consumer reporting agencies. Under South Carolina Code 37-5-108, this conduct may also constitute unconscionable debt collection practices.
Frequently Asked Questions
What is Complaint #14008437 about?
Complaint #14008437 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-06-10T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.