Consumer complaint received 2020-09-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I filed a complaint against XXXX with you ( CFPB ) once already in XXXX of 2020. You did not do anything to help resolve the matter. XXXX  blocked the complaint by saying they could not verify my identity and would not accept the complaint. And oddly, you did nothing to help counter that ridiculous claim. So the complaint stalled. I am reaching out again to ask that you help force XXXX  to properly validate items on my credit report, or delete them immediately. I attempted to resolve this multiple times prior to the attempted XX/XX/2020 complaint, and have made many more attempts since XXXX. XXXX  simply ignores the request as stated. I have been requesting items on my credit report be validated with original consumer contract documentation. I am requesting this item for both accounts because these accounts do not belong to me. I believe a credit file mix up occurred. If Midland Funding LLC or XXXX XXXX could provide original consumer contract documentation with my signature, or an equivalent, then the matter could be closed. However, I have written to Midland Funding LLC and XXXX XXXX directly multiple times, and they avoided addressing this matter, or ignored it all together. If an original consumer contract can not be provided, than this account can not be validated as belonging to me. If it can not be validated as belonging to me, than it would be fraudulent and inaccurate to report it as belonging to me. Therefore, these items need Deleted Immediately. 
XXXX  continues to " Update '' these items on my XXXX  credit report, despite the fact that neither creditor has provided the necessary documents to validate that these accounts belong to me. Credit Bureaus XXXX  and XXXX  have deleted these items. XXXX, however, does not. It appears to be complete negligence regarding this matter of the part of XXXX. And it has become completely unacceptable. In addition to illegal under the Fair Credit Reporting Act. 
In addition to XXXX  's negligence on the matter, they failed to respond within 30 days when I sent a request on XX/XX/2020. That alone is a major violation of the FCRA and the items in question should of been DELETED IMMEDIATELY. However, XXXX did nothing and faced no consequences. 
Attached to this complaint is evidence of these items being deleted from both XXXX  and XXXX. More importantly, there are letters from XXXX XXXX ADMITTING they have no documentation on file to validate who opened the account in question. Also attached is documentation from Midland Funding avoiding the request entirely by submitting account statements in place of original consumer documentation contracts. I have been asking for validating documents for over a year! 
The First attachment is letters to and from the creditors directly in the last 60 days. You can see XXXX XXXX admit they have no validating documentation as to who opened the account in question. You can see Midland Funding LLC deflect the request and respond with no evidence to satisfy the request. The second attachment to this complaint is a handful of letters XXXX sent in the past year to resolve this matter. The Third attachment is Letters sent to XXXX  XXXX and Midland Funding LLC at the beginning of 2020. The Fourth attachment is the 2 letters sent to XXXX  in XXXX and XX/XX/2020 relating to XXXX  failing to respond or act on my request within 30 days. They ignored me completely. 
This has gone on for too long. These items need deleted immiediately. The evidence speaks for itself. Neither creditor can validate these accounts with proper original consumer contract documentation. They have had multiple chances to provide it and have failed. These accounts are not properly validated as belonging to me. Therefore, it is fraudulent to continue claiming they belong to me and need deleted from my credit report immediately.

Company response to consumer: Closed with explanation