Debt collection -- Attempts to collect debt not owed -- Complaint #17892372

Complaint Overview

Complaint ID: 17892372

Company: Encore Capital Group INC.

Product: Debt collection

Sub-Product: Credit card debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: Massachusetts

ZIP Code: 02301

Date Received: 2025-11-24T12:00:00-05:00

Date Sent to Company: 2025-11-24T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Dear Midland Credit XXXX : MCM ; ( Plaintiffs Counsel : XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX ) I am formally disputing the accuracy, validity, and completeness of an account Midland Credit Management , Inc. ( MCM ) is attempting to collect and report. The alleged balance is {$590.00}, originally attributed to XXXX XXXX XXXX ( XXXX ), Reference # XXXX, with an alleged account ending in XXXX. I dispute this debt in its entirety. MCM used a wrong and outdated address for me XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX which is not my address, has never been my address, and caused me to receive no legally required notices. My correct address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Because they used the wrong address, I did not receive validation notices, debt information, billing history, or any disclosures required under the FDCPA and CFPB Regulation F. I have no verified relationship with Midland Credit Management or any debt purchaser, and I was not provided proper notice of this alleged account by MCM or XXXX XXXX XXXX. Under the FDCPA ( XXXX XXXX. XXXX ( b ) ) and the FCRA ( XXXX XXXX. XXXX et seq. ), I requested full validation of this account. Specifically, I requested : Original credit agreement or contract Full itemized accounting showing how the {$590.00} balance was calculated Forward Flow Agreement proving legal sale of the account Full chain of title / assignment documents Complete payment history Validation notice ( FDCPA XXXX ) Notice of default or intent to collect Proof the debt is within the Massachusetts statute of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FCRA XXXX ) To date, I have not received any of these required documents. Instead, I received generic, automated letters that do not constitute lawful validation. Because the debt remains unsubstantiated, MCMs continued attempts to collect or report it violate : FDCPA XXXX ( b ) ( collecting without validating ) FCRA XXXX ( b ) & XXXX ( b ) ( reporting inaccurate or unverified information ) Regulation F ( failure to substantiate before collection ) Case law confirms that unverifiable or inaccurate accounts can not lawfully remain on my credit reports, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally , the original XXXX XXXX XXXX Cardmember Agreement includes a mandatory arbitration clause, and I elected arbitration. MCM ignored my arbitration election and instead filed a lawsuit, which is improper under the Federal Arbitration Act. Given the wrong address used, failure to validate, unlawful reporting, and disregard of arbitration rights, I am requesting CFPB assistance.

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