Consumer complaint received 2018-10-22
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 16 CFR 660.4, this dispute includes : Identification of the specific information being disputed : XXXX XXXX, as shown on two reporting agencies XXXX  and XXXX  and is showing incorrect information. I sent them letters requesting validation that is competent evidence bearing my signature showing that I have or have ever had some contractual obligation to pay them. I sent a letter on XX/XX/2018 that was received by them through certified return receipt on XX/XX/2018 tracking number XXXX. On XX/XX/2018 I received in the mail a letter from XXXX XXXX XXXX a that states that the information they have is correct and sent me copies of a credit card statement. I asked for competent evidence bearing my signature. A copy of a statement does not constitute verification as stated in my letters. On XX/XX/2018 I sent out a second letter I requested for them to provide me with the names addresses and telephone numbers of each person who personally verified the alleged account. So I could follow up on there procedures since on proof bearing my signature was provided. I received from them a second letter on XX/XX/2018 again they said the information is correct. Both letters state they will be marking the account status as disputed with the credit reporting agencies however to this day non of the reporting agencies are showing it marked as disputed. The type of account is listed as OPEN. Please remove this incorrect information. Midland is not a creditor and I have never entered an installment account or opened an agreement with the company to re-age debt. The " Recent Balance '' and " Balance Updated '' Midland has most recently reported is { {$1500.00} }. Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to promptly notify the credit reporting agencies of deletion of this information from my credit file. Midland may not list this account as an installment account, as they are not a creditor and I have never entered into any installment agreement with them Midland also may not show the account as " Open '' as they are not a creditor and may not list an account as open. Midland also may not report a recent payment history as they are not a creditor. I am requesting that this account be deleted since they are in willful non compliance of not providing me the requested information in a timely manner or any time for that matter. They are also in violation with the Fair Debt Collection Practices Act Sect 807-8 and Nevada Revised Statute 598C.160 Duties of Reporting Agency. Due to the manner in which Midland is incorrectly reporting this account, they are in violation of 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), and 15 USC 1692f.

Company response to consumer: Closed with explanation