Consumer complaint received 2023-02-27
Company: ENCORE CAPITAL GROUP INC.
State: TX
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:
On XX/XX/XXXX, I noticed some incorrect information on my XXXX account regarding two debtors. I contacted them both via USPS mail. On XX/XX/XXXX, I received correspondences from one of the debt collectors in which I have provided a copy of a true and accurate document sent to myself by the debt collector ( XXXX ). I am arguing the amount and account opened under my name. I do not own this debt. I have also attached a copy of the letter I sent to both debt collectors in response to the discovery of the incorrect information on my file. The debt collectors have posted negative reporting 's on my credit report and have had attorney firms contacting me since then. report I was contacted by debt collector ( s ). I then filed dispute with XXXX. They have not investigated, but did update information. I have sent a letter to the debt collector in regards to asking for validation for debt. I have not received information requested. I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information and accounts that are Un-verified. Accordingly, to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly delete all information that is inaccurate, incomplete or can not be verified. As I am POSITIVE you are aware, as an injured consumer, UNJUSTLY MIND YOU.I am lawfully within my consumer rights to ask for any and all of the above and below demands under the terms of the fair credit billing act of 1975 FCBA As the OFFICIAL notice of my official writ composed DECLARATION of not proving compliant misinformation that is either or all of the following. You must ANNUL BY REMOVING of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul miss reporting and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : Notation : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true and correct, complete, timely if known ownership and responsibility but also fully XXXX XXXX complainant. Provider Claims, Late Payment yet NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts otherwise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY or otherwise, irrefutable compliant, obligatory and regulatory requisite compliant reporting, thereby mandating your immediate actions to rectify and remedy, and any all in fraction-ious behavior ( s ) by retaining, or returning to DEMONSTRATED, TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatting reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE unless you can document this NOT to be CORRECT, and determine factually, and in entirely that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!

Company response to consumer: Closed with explanation