Midland Credit Management (Encore Capital Group): error on a credit report
Dispute the Midland entry with each credit bureau and directly with Midland through the Consumer Resolution Center.
What does this mean?
Grade A (high: almost everything comes from official pages read directly). 100% of 42 sources are the organization's own pages or government sites.
Collect
- credit report page with the Midland entry
- proof of payment
- settlement or identity theft
Steps
Dispute the entry with each credit bureau that shows it.
Also dispute it directly with Midland, choosing "Inaccurate credit reporting".
For status questions, call Consumer Support Services.
PhoneConsumer Support Services (questions about inaccurate information) +1-800-825-8131 ext. 32980 Account holder onlyIf the entry is not fixed, file a CFPB complaint.
More contacts for this issue
Facts you can cite
- Deadline
After you pay in full or settle, Midland asks the credit bureaus to delete its tradeline once the payment is processed; Midland says this typically takes up to 45 days.
Source: midlandcredit.com, verified 2026-10-13
- Policy
Midland says it will not report an account if payments begin within six months of its initial notice and continue monthly until the account is resolved. It must delete its tradeline seven years after the delinquency date, and sooner in some states.
Source: midlandcredit.com, verified 2026-10-13
- Process
A furnisher must investigate a direct dispute sent to the address on your credit report or the address it gives for disputes, and finish within the same time a credit bureau has (Regulation V, 12 CFR 1022.43).
Source: consumerfinance.gov, verified 2026-10-13
The CFPB received 22,637 complaints about ENCORE CAPITAL GROUP INC. from July 1, 2025 to June 30, 2026 (debt collection 18,386; credit reporting 3,843). 17,052 were closed with explanation, 5,579 with non-monetary relief and 5 with monetary relief; 2 responses were not timely.
Source: consumerfinance.gov, verified 2026-10-13
- Policy
On October 16, 2020 a federal court entered a stipulated judgment in the CFPB's case against Encore Capital Group, Midland Funding, Midland Credit Management and Asset Acceptance, which alleged violations of a 2015 consent order. It ordered $79,308.81 in redress and a $15 million civil penalty, required disclosures, barred collecting time-barred debt without certain disclosures, and kept the 2015 order's conduct provisions for five more years.
Source: consumerfinance.gov, verified 2026-10-13
If that fails, escalate
Go up one step at a time. Keep the reference numbers and dates from each contact.
Written complaint
FormConsumer Resolution Center form (formal disputes and complaints to the Chief Compliance Officer)Dispute in writing within the validation period in the notice, or by mail to the Chief Compliance Officer.
Federal regulator
Federal regulator
State agency
Your state’s attorney general. Find it in the list of state agencies (also as JSON:
states/<code>.json, for example states/ny.json).Small claims court
Watch out
- Phone lines verify the account holder by voice.
- The account portal and Document Center need sign-in.
Let your AI agent handle this
Escalate Anything is a free, open-source MCP server for Claude, Cursor, VS Code, Gemini CLI, Codex and other AI apps. Your agent gets this playbook, keeps a case log with reference numbers and follow-up dates, and drafts each message for you to approve.
1. Set it up (needs uv):
uvx escalate-anything setup2. Ask your agent:
My Midland Credit Management (Encore Capital Group) credit report shows [wrong item]. Use Escalate Anything to get it corrected.Source code, other install options and the Claude Code plugin