Consumer complaint received 2023-04-07
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 status incorrect

Complaint:
Attached, you will find the documentation to validate a debt collector, XXXX XXXX XXXX XXXX whom has been inaccurately, reporting information regarding my credit history. Falsely reporting late payments, delinquencies and collections in accordance to my name as a consumer, but not accurately in accordance with this account as a consumer. According to this document, XXXX XXXX XXXX, XXXX, which I am not linked to. There is no validation that has been provided to me as a consumer to validate this account in accordance with 15 US code 1692g. 

I submitted a dispute in XX/XX/XXXX and the account was not validated or deleted upon me submitting information to the credit bureaus regarding XXXX XXXX XXXX XXXX. The XXXX account they are referring to has already been deleted and removed from my credit history. 

XXXX XXXX XXXX, XXXX refuses to follow the fair debt collection practices of validating evidence against me as a consumer. They attempted to intimidate me by filing a suit against me, however, failed due to lack of evidence, linking me to the accounts, they are attempting to collect debt for. 

This is a formal dispute regarding the account XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX, XXXX was sold on XX/XX/XXXX of XXXX regarding a XXXX XXXX XXXX. Account number beginning with XXXX. Account balance at the time of sale was {$3100.00}. 

XXXX XXXX XXXXXXXX XXXX XXXX was closed XX/XX/XXXX with a XXXX balance as I reported the card stolen or lost. As a consumer I opened that account XX/XX/XXXX, five years and eight months with a payment history, reflecting 100 % of payments made on time until this occurrence. 

In an attempt to clarify the origin of the XXXX XXXX XXXX, XXXX I called XXXX customer service and was unable to communicate with the gentleman that this XXXX account associated with this debt collector was in accordance to a XXXX XXXX account that had been closed years prior. Due to his lack of understanding, investigating and merely communicating with me as a consumer he stated that the account was not related to a XXXX XXXX account because it started XXXX. I advised the gentleman that I would send the information over to the bureau so that my financial account could accurately be updated and error be deleted. 

XXXX XXXX XXXX XXXX continues to open accounts under my name as a consumer and to which I am not associated with and I have the documentation which I will continue to provide in order to clear my credit history in the most efficient and accurate disposition. 

The inaccurate reporting of information regarding me as a consumer is fraudulent. I have no association with XXXX XXXX XXXX, XXXX, and there is no competent evidence bearing my association with them or that I have a contractual obligation to pay this third-party debt collector. Any negative mark sound of my credit, including other credit bureaus must be removed immediately. I do not owe this company a debt. According to 15 USC 1692 g validation of debts ; I do not recognize how this account is reporting on my credit history/report. I do not recognize this account number. I do not recognize this account status. I do not recognize the high balance associated with this unrecognizable account nor do I recognize these late payments or no data related to a payment history whatsoever. 

According to an account related to XXXX XXXX, XXXX and the debt collector XXXX XXXX the debt on XX/XX/XXXX was {$3100.00} and had a past due amount of {$3000.00}. 

I submitted a dispute and XXXX and the debt collection agency XXXX XXXX XXXX XXXX XXXX reported to the three credit bureaus. The account was in collection for about five years.

I filed a dispute with XXXX XXXX XXXX XXXX XXXX and due to the inability and an accuracy of portfolio XXXX and associates being able to link me as a consumer to this debt. The account was closed. 

According to XXXX XXXX XXXX XXXX the date of my first delinquency was XX/XX/XXXX, the date that they reported this was XX/XX/XXXX. 

The XXXX XXXX XXXX, XXXX is in accordance with an account no. XXXX reference no. XXXX. The seller is XXXXXXXX XXXX in the amount of {$3000.00} You will also note a communication letter from a debt collector sent to address, XXXX XXXX XXXX XXXX This is not my place of residence, this is not a residence to which I am associated with or to where I reside. I have disputed this address in the past, and it was previously removed. XXXX XXXX XXXX XXXX continues to an accurately send forms of communication to homes within my community that reflect poorly upon a consumer related to their finances and a defamation of character. This is by all means, inappropriate, inaccurate, misleading and above all else wrong. 

XXXX XXXX XXXX, XXXX has violated 1692 ( e ) by without my consent, or knowledge, obtaining soft increase from XXXX along with Midland credit management, XXXXXXXX XXXX, and the XXXX XXXX. I am a palled by the information that I have obtained in accordance with my recent consumer credit report. 

I respectfully request that this entity refrain from contacting me in the future, as I am not associated with this debt nor am I associated with the debt related to XXXX XXXX XXXX I also respectfully request that XXXXXXXX XXXX XXXX, XXXX provide me with competent evidence that I am in legal obligation to pay them. Failure to respond in accordance with act 15 USC 1692g ( five days ) to all references to this account, must be deleted and completely removed. 

Please note that I have also attached a legal document, granting notice of non-suit, defining and concluding that XXXX XXXX XXXX XXXX lacks the information to connect me as a consumer in any way to an account that has already been deleted. 

XXXX XXXX XXXX, XXXX has been reporting inaccurate information against me as a consumer, for five years, In conclusion, I would like to note a collection is by default late and past due, not an open account. The documentation I have attached reports that the status of my account is {$3000.00} past due as of XX/XX/XXXX that is inaccurate. Inaccurately reporting that this debt was only in relation to a XXXX  account, and not specifying XXXX XXXX XXXX XXXX  is also fallacious to the credit bureau and myself as a consumer. You will also note XXXXXXXX XXXX XXXX XXXX is not on my credit history as of today. 

XXXX XXXX XXXX  XXXX is also obtaining a debt in accordance with a XXXX XXXX  account that I am not associated with. In the same manner and fashion, I have attempted to dispute these accounts and have been unsuccessful. This company continues to report false information and I will also attach that information. 

Please delete the inaccurate information promptly and with integrity to me as a consumer.

Company response to consumer: Closed with explanation