MIDLAND FUNDING on a credit report: Midland Funding
MIDLAND FUNDING is Midland Funding, a debt collection company.
If it is on your report, a debt was placed with it or sold to it, and the original creditor is usually listed on the same entry. Midland Funding is part of Encore Capital Group; its accounts are serviced by Midland Credit Management.
How to contact Midland Funding
- Phone: 800-296-2657 [2] (customer service line on its own website)
Complaints to the CFPB about Encore Capital Group
The CFPB has received 68,469 complaints filed under Encore Capital Group Inc. (all its accounts, not only MIDLAND FUNDING), 23,386 of them in the 12 months to October 8, 2026 with the latest on October 7, 2026, and the company answered 100% on time. [1]
The CFPB publishes complaints without confirming the facts in them.
| Most common issue | Complaints | Share |
|---|---|---|
| Attempts to collect debt not owed | 20,155 | 29% |
| Took or threatened to take negative or legal action | 9,014 | 13% |
| Written notification about debt | 8,496 | 12% |
| False statements or representation | 6,857 | 10% |
| Incorrect information on your report | 6,114 | 9% |
Every code this company uses is listed on its main page (MIDLAND FUND).
Checking this account
If you don't recognise the debt, the CFPB explains what a debt collector has to tell you about it, and you can dispute the entry with the bureau that shows it.