Debt collection -- Written notification about debt -- Complaint #16555691
Complaint Overview
Complaint ID: 16555691
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New York
ZIP Code: 11236
Date Received: 2025-10-13T12:00:00-05:00
Date Sent to Company: 2025-10-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Midland Credit Management is reporting a collection account for {$610.00} that is inaccurate and unverifiable. I previously disputed this account with XXXX in XX/XX/year>, and the credit bureau verified it without providing any documentation of validation from Midland. Midland has failed to provide proof that I owe this debt, such as a signed agreement, full payment history, or original creditor information, as required under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA 609 and 611 ).
Frequently Asked Questions
What is Complaint #16555691 about?
Complaint #16555691 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-10-13T12:00:00-05:00.
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.