Consumer complaint received 2023-08-03
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:
Subject : Complaint Regarding Midland Credit Management - Violations of Credit Laws Dear CFPB, I am filing a formal complaint against Midland Credit Management concerning the information they have reported on my credit report. The account details are as follows : Creditor : Midland Credit Management Account Number : XXXX Original Creditor : XXXX XXXX XXXX NA Account Status : Open Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Balance : {$610.00} I dispute the accuracy of the information being reported by Midland Credit Management due to the following violations of credit laws : 1. Violation of Fair Credit Reporting Act ( FCRA ) Section 1681c ( a ) ( 1 ) : The account is listed as " Open, '' which is incorrect. Per my records, this account was closed, and it should not be reported as open. The inaccurate account status is a violation of FCRA 's requirement to provide accurate and up-to-date information on credit reports.

2. Violation of FCRA Section 1681c ( a ) ( 5 ) : The reported opening date of XX/XX/XXXX, is inaccurate. I have records that show the account was opened on a different date, which should be reflected accurately on my credit report. This discrepancy violates FCRA 's requirement to report correct information regarding account opening dates.

3. Violation of FCRA Section 1681e ( b ) : I have never been late on payments for this account. The report 's indication of delinquency or late payments is erroneous and violates FCRA 's requirement to ensure the accuracy of the information reported on credit reports.

4. Violation of FCRA Section 1681i ( a ) : I have disputed this account twice, and it has been verified as accurate by Midland Credit Management without providing any evidence from the original creditor, XXXX XXXX XXXX XXXX This failure to conduct a proper investigation violates FCRA 's requirement to investigate disputes and verify the accuracy of reported information. 

As per the violations listed above, I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter to ensure that Midland Credit Management complies with the Fair Credit Reporting Act ( FCRA ).

I demand that the following actions be taken : 1. Verification of Debt : Provide a complete breakdown of the debt, including the original agreement, itemized statements of all charges, and payment history.

2. Correction of Account Status : Update my credit report to show the accurate account status, indicating that the account is closed.

3. Correction of Opening Date : Ensure that the reported opening date is accurately reflected on my credit report.

4. Removal of Late Payment Indication : Remove any indication of late payments or delinquencies, as I maintain that I have not been late on payments for this account. 

5. Proper Investigation : Conduct a comprehensive investigation into my dispute, including obtaining evidence from the original creditor, XXXX XXXX XXXX XXXX, to verify the accuracy of the reported information. 

Failure to provide the requested documentation and resolve the inaccuracies on my credit report will be considered a continued violation of my consumer rights under the FCRA. 


Please ensure that my credit report is updated with the correct and accurate information or remove any erroneous data related to this account. 

I expect a prompt response to this complaint and a thorough investigation into the matter. Please provide a written response once the investigation is complete and the necessary updates have been made to my credit report. 

Thank you for your attention to this matter. I anticipate a resolution that upholds the accuracy and integrity of my credit report, in accordance with the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation