Complaint Not Yet Publicly Available
The complaint in this case has not yet been made publicly available through the federal court system. I only quote directly from publicly released court documents — I do not paraphrase or summarize complaint language.
You can monitor this case and access filings as they are released at the CourtListener docket page. I will update this post when the complaint becomes available.
Quick Answer: A federal lawsuit was filed by Carranza-Otarola against Midland Credit Management on May 26, 2026 in the U.S. District Court (DISTRICT COURT, E.D. TEXAS). Case No. 4:26-cv-00557. The full complaint has not yet been made available through public court records. This page will be updated with the complete allegations when the complaint is published. This is a legal filing, not a verdict.
Case Update — August 4, 2026
2026-05-26: Case: 4:26-cv-00557-SDJ Carranza-Otarola v. Midland Credit Management, Inc. et al was filed on 5/26/2026 and assigned to Judge Jordan. The Notice Regarding Consent to Proceed Before Magistrate Judge form is provided via hyperlink. (baf) — Link
2026-05-26: Case assigned to District Judge Sean D. Jordan. (baf) — Link
2026-05-26: Case Assigned/Reassigned — Link
2026-05-26: Clerk’s New Suit Notice — Link
2026-05-26: Doc 3 — STANDING ORDER ON MOTIONS TO SEAL IN CIVIL CASES. Signed by District Judge Sean D. Jordan. (baf) (Entered: 05/26/2026) — Link
2026-05-26: Doc 4 — Summons issued as to Midland Credit Management, Inc.. (baf) (Entered: 05/26/2026) — Link
2026-05-26: Doc 5 — Summons issued as to The Bureaus, Inc.. (baf) (Entered: 05/26/2026) — Link
2026-05-26: Doc 6 — Summons issued as to I.C. System, Inc.. (baf) (Entered: 05/26/2026) — Link
2026-05-26: Doc 7 — Summons issued as to Portfolio Recovery Associates, LLC. (baf) (Entered: 05/26/2026) — Link
2026-05-26: Doc 8 — Summons issued as to Experian Information Solutions, Inc.. (baf) (Entered: 05/26/2026) — Link
2026-05-26: Doc 9 — Summons issued as to Equifax Information Services, LLC. (baf) (Entered: 05/26/2026) — Link
2026-05-26: Doc 2 — Request for Clerk to issue Summons filed by Michelle Carranza-Otarola. (Halvorsen, Joel) (Entered: 05/26/2026) — Link
2026-06-08: Doc 10 — Summons returned executed by Michelle Carranza-Otarola. Midland Credit Management, Inc. served on 6/5/2026. (Halvorsen, Joel) (Entered: 06/08/2026) — Link
2026-06-22: Doc 11 — WAIVER OF SERVICE Returned Executed by Michelle Carranza-Otarola. Portfolio Recovery Associates, LLC waiver sent on 6/5/2026, answer due 8/4/2026. (Halvorsen, Joel) (Entered: 06/22/2026) — Link
2026-06-22: Doc 12 — WAIVER OF SERVICE Returned Executed by Michelle Carranza-Otarola. Equifax Information Services, LLC waiver sent on 6/5/2026, answer due 8/4/2026. (Halvorsen, Joel) (Entered: 06/22/2026) — Link
2026-06-26: Doc 14 — Unopposed Application for Extension of Time to Answer Complaint is granted. Midland Credit Management, Inc. answer is now due 7/27/2026. (Text entry only, no document attached.)(baf) (Entered: 06/26/2026) — Link
2026-06-26: Clerk’s Entry re Unopposed Application for Extension of Time to Answer Complaint — Link
2026-06-26: Doc 13 — Unopposed Application for Extension of Time to Answer Complaint filed by Midland Credit Management, Inc.. Summons originally served on 6-5-2026. Agreed new answer date is 7-27-2026.(Manning, Matt) (Entered: 06/26/2026) — Link
2026-07-08: Doc 15 — Notice of Settlement — Link
Case Status: The complaint in this case has not yet been uploaded to the RECAP archive. When it becomes available, the full text of the allegations will be reproduced on this page.
To access the complaint directly, you can search for Case No. 4:26-cv-00557 on PACER (the federal court electronic records system). PACER charges $0.10/page, but the first $30/quarter is free for most users.
About This Coverage
I monitor federal court cases involving debt relief companies as an educational resource for consumers, other companies in the industry, and regulators. This project began on February 27, 2026, and covers cases filed on or after February 20, 2026. Cases filed before that date are not included. I am currently monitoring 334 companies in the debt relief space.
I report on all cases I am able to monitor — no company is singled out or targeted. The goal is comprehensive, fair coverage that helps consumers understand the legal landscape.
Important: The information on this page comes directly from court documents. I present the allegations exactly as stated in those filings — I do not interpret, summarize, or paraphrase complaint language, as doing so could introduce unintended bias. These are allegations, not findings of fact. Every defendant is presumed innocent and has the right to contest the claims in court. A lawsuit is not a finding of wrongdoing.
You can view the full docket at CourtListener.
Are you a party to this case? I welcome statements, corrections, and updates from any party — plaintiff, defendant, or their counsel. If you'd like to add context or a statement for readers, please contact me directly. I will publish it here.
Frequently Asked Questions
Why doesn’t this page have the full complaint yet?
Federal court complaints are filed through the PACER system. They become available for free public access when they are uploaded to the RECAP archive (a free, open repository of federal court documents). Not all filings are uploaded immediately. When this complaint becomes available, the full text will be added to this page.
Has Midland Credit Management been found liable?
No. A complaint is a legal filing that contains allegations. Midland Credit Management has not been found liable for any wrongdoing. Courts require proof before entering judgment.
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Source: CourtListener — Carranza-Otarola v. Midland Credit Management, Inc., Docket 73389407. This case is being tracked for updates.
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Part of the Federal Lawsuits Database
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