Consumer complaint received 2023-07-21
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
It should be known that at present time, Midland Credit Management is improperly reporting incorrect/ inadequate information on my XXXX report. They are also intentionally failing to report information on a account to XXXX which constitutes the report as incomplete. Finally, Midland is improperly reporting information that violates the standards of the XXXX XXXX. Said account reporting to XXXX is under account # XXXX. It was disputed with XXXX and denied on grounds that account belongs to me which was never a ground I disputed account on period and Midland verified account information as accurate. Midland is violating the F.C.R.A., XXXX XXXX, and due process of federal law. The errors and discrepancies are as follows- 1 : Said account is being hid under other accounts due to payment history showing and due to account showing as a open account or open trade line because under account status it says account is open. This is a account that was closed by original creditor and sold to Midland. No collection accounts should have a open status. Midland Credit Management can't extend credit to anyone and is a debt buyer. Midland Credit Management can not have a open credit type or status with anyone and should not be reporting any type of accounts except collections. Nor are they the original creditor and nor do I have and written or signed agreements with Midland. Nor have I ever been contacted by them or agreed to anything. This is a closed account period. 2 : Date last verified is missing making report incomplete. 3 : Date closed is missing making report incomplete. 4 : Date of last activity is incorrect and not been updated in 2 years. 5 : Report shows a past due amount of XXXX. Midland is not the original creditor or a creditor and can not report a account as past due or current. 6 : Under months reviewed, it says 13. Midland is not a creditor and I have no terms or agreements with them. No terms or months reviewed should be showing. 7 : Under payment status, it says 120 days late. Debt buyers or Collectors can't report payment status. Midland is not a creditor or original creditor and prohibited from reporting payment history. 8 : Debt buyers or Collectors can't report payment ratings because per metro 2 it is not applicable and nor is there any room on form for payment ratings from a debt buyer or Collector as Midland is violating. 9 : On 2 year payment history calendar Midland reports XXXX XXXX XXXX  as 90 days late. This is in error and in violation of XXXX XXXX in that Midland is not a creditor, not the original creditor, and I have no signed agreements with them. There is no payment history to report from Midland. 10 : Under 7 year payment status, Midland reports 1 90 days late. This is in error and violates the XXXX XXXX and the F.C.R.A.. Midland is no creditor or original creditor and prohibited from reporting payment history on XXXX  XXXX form. There should be no payment history to report. I have never authorized or signed any agreements with them. 11 : No balance should be showing as XXXX. Midland is no creditor or original creditor and no balance should be showing. Once original creditor closed account, only XXXX balance should be showing. A copy of the Consumers smart credit 3 bureau report is included for review to see all errors. A civil suit is impending against Midland if this account is not deleted.

Company response to consumer: Closed with explanation