Debt collection -- Attempts to collect debt not owed -- Complaint #19692794
Complaint Overview
Complaint ID: 19692794
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: Mississippi
ZIP Code: XXXXX
Date Received: 2026-02-22T12:00:00-05:00
Date Sent to Company: 2026-02-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Midland Credit Management is attempting to collect XXXX alleged debts XXXX XXXX XXXX Account XXXX XXXX XXXX, and XXXX XXXX XXXX Account XXXX XXXX ) without providing proper validation under 15 U.S.C. 1692g. Privacy Violation : XXXX XXXX XXXX sold my personal information ( name, address, Social Security number, account details ) to XXXX without my explicit consent. I never authorized XXXX XXXX to transfer my sensitive data to XXXX debt collectors. This unauthorized disclosure violates my privacy rights and potentially constitutes identity theft under 18 U.S.C. 1028. XXXX 's only " proof '' is a " Notice of Sale '' showing they purchased the debt. This is NOT validation. I have no contractual relationship with XXXX. The sale of debt between third parties does not create an obligation on my part, nor does it authorize the unauthorized transfer of my personal information. XXXX has failed to provide : Original signed contract showing I owe the debt Complete chain of title with authenticated assignments Itemized accounting proving the amount is correct Proof they are licensed to collect in my state Proof I authorized release of my personal information.
Frequently Asked Questions
What is Complaint #19692794 about?
Complaint #19692794 was filed against Encore Capital Group INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-02-22T12:00:00-05:00.
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.