Debt collection -- False statements or representation -- Complaint #16282655
Complaint Overview
Complaint ID: 16282655
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Florida
ZIP Code: 33009
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing an alleged debt that Midland Credit Management , Inc. claims to have purchased from XXXX XXXX XXXX XXXX On XX/XX/year> and again in XX/XX/year>, I submitted formal debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). I specifically requested : A copy of the original signed contract or application with XXXX XXXX XXXX XXXX A complete chain of title and assignment of the debt from XXXX XXXX XXXX XXXX to Midland Credit Management , Inc . An itemized accounting of the alleged balance, showing how the amount was calculated. Legal proof of Midlands right to collect and report the debt. Midland failed to provide the requested documentation. Instead, they continued reporting the account to credit reporting agencies, which constitutes continued collection activity without proper validation in direct violation of FDCPA 809 ( b ). Additionally, Midlands communications have included statements that misrepresent the legal status and enforceability of the debt, which may also violate the Fair Credit Reporting Act ( FCRA ) by furnishing inaccurate or incomplete information to the credit bureaus. This is now the second validation demand that Midland has ignored. Their failure to provide the legally required documents while continuing to collect and report is unlawful. I am requesting that the CFPB require Midland to : Immediately cease all collection activities on this account. Delete the account from all credit reporting agencies ( XXXX XXXX XXXX ). Provide full documentation proving their right to collect, if they intend to continue pursuing this matter. Consumers are entitled to accurate reporting and full debt validation. Midland has failed to meet these legal standards, and I request the CFPBs intervention to enforce compliance.
Frequently Asked Questions
What is Complaint #16282655 about?
Complaint #16282655 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-09-30T12:00:00-05:00.
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.