Updated on January 29th, 2025 Author: stopcollections | Editor: admin

Consumer Complaints Against Midland Credit Management (MCM)

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

Encore Capital Group, Inc. and its subsidiary, Midland Credit Management, have been the subject of numerous complaints submitted by consumers to the Consumer Financial Protection Bureau (CFPB). These reports reveal concerning patterns in their debt collection practices that every consumer should be aware of.

Key Complaints Reported by Consumers 

1. Identity Theft and Fraudulent Debts

One of the most significant consumer concerns involves being pursued for debts they never owed due to identity theft or entirely fabricated claims by the debt collector. These fraudulent practices not only damage financial stability but also negatively impact credit scores, making it challenging for consumers to secure future credit opportunities.

Your Rights and Recourse:

Under the FDCPA (Fair Debt Collection Practices Act) and FCRA (Fair Credit Reporting Act):

• You can dispute fraudulent debts in writing and request the debt collector stop communication until they provide verification.
• Request a fraud alert or credit freeze through major credit bureaus to protect your credit file.
• File an identity theft report with the Federal Trade Commission (FTC) and local law enforcement.

Need help? Contact us for a free consultation with legal experts specializing in identity theft and debt collection violations.

2. Failure to Provide Debt Validation

Many consumers have encountered difficulty obtaining proper debt validation from Midland Credit Management despite requesting it as permitted under the FDCPA. Without adequate validation, individuals are left uncertain about the legitimacy of the debts they are being pursued for.

Your Rights and Recourse:

Under the FDCPA, you are entitled to the following protections if you request debt validation within 30 days of receiving the initial notice of debt collection:

• Collectors must provide written proof of the origin and details of the debt.
• Debt collectors cannot continue collection efforts without validating the debt properly.

If you’re experiencing unverified or questionable collection efforts, reach out to us to connect with a legal expert for personalized help.

3. Illegal Reporting of Time-Barred Debts

Some consumers have reported that Midland Credit Management continues to report debts to credit bureaus even though the statute of limitations has expired, making them non-reportable. This practice causes unnecessary stress for consumers, as these debts can harm their credit profiles.

Your Rights and Recourse:

Under the FCRA, consumers facing time-barred debt reporting have the right to:

• Dispute the debt’s accuracy with credit bureaus directly.
• Request debt removal from credit reports if the statute of limitations has expired.
• File a complaint with the CFPB if the credit bureau or debt collector violates reporting laws.

Not sure where to start? Our legal professionals can guide you through the process for free.

4. Harassment and Aggressive Collection Tactics

Many complaints describe harassment from Midland Credit Management’s representatives, who use threatening or overly aggressive tactics to collect debts — even escalating to legal action threats. Such behavior breaches consumer protections designed to prevent undue stress.

Your Rights and Recourse:

You are protected under the FDCPA from harassment, including:

• The right to request all communication to stop entirely.
• Protection against verbal abuse, threats, and incessant calls.
• The ability to sue for damages if you experience harassment or illegal conduct from debt collectors.

Facing harassment? We’re here to help you take action against aggressive and unlawful collection tactics.

5. Reporting of Inaccurate Information

Several consumers have highlighted concerns about inaccurate debt reporting by Midland Credit Management, which continues to affect their credit histories despite efforts to dispute the incorrect information. These inaccuracies create long-term financial difficulties for individuals.

Your Rights and Recourse:

Under the FCRA, you have legal protections to counter inaccurate information:

• Dispute errors with credit bureaus and demand corrections within 30 days.
• Request written confirmation of any corrections made to your credit report.
• File a lawsuit if the debt collector fails to amend inaccuracies or knowingly reports false information.

Struggling with inaccuracies in your credit report? Contact us today for help resolving your credit issues through expert legal assistance.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Encore Capital Group, Inc. and its subsidiary, Midland Credit Management, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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