Debt collection -- False statements or representation -- Complaint #17853011
Complaint Overview
Complaint ID: 17853011
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: False statements or representation
Sub-Issue: Told you not to respond to a lawsuit they filed against you
State: Georgia
ZIP Code: 30114
Date Received: 2025-12-08T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Midland Credit Management ( Acct. No. XXXX ) is engaging in continued unlawful communication by reporting and updating information on my XXXX credit profile after being instructed to cease contact, constituting an indirect communication in violation of 15 U.S.C. 1692c. Furthermore, Midland has failed to provide full and proper debt validation as required under 15 U.S.C. 1692g, despite my formal request. Their continued reporting of this account without validation is noncompliance with federal law and represents a willful attempt to misrepresent the status and legitimacy of the alleged debt. I am demanding immediate removal of this unvalidated and unlawfully communicated account. This ongoing noncompliance is being documented for potential complaints to the CFPB, my State Attorney General, and possible civil action for statutory damages. This fraudulent account is reporting to my XXXX credit report, which is still in communication with me.
Frequently Asked Questions
What is Complaint #17853011 about?
Complaint #17853011 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-12-08T12:00:00-05:00.
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.