Consumer complaint received 2016-07-05
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I submitted a complaint against Midland Credit recently. My complaint is that I 'm still having the same issues for the last two years which is that Midland continues to report inaccurate information on my credit report. Midland Funding said that they had removed the dispute notation from my account. However, when I contacted the Credit Reporting Agencies for an updated credit report. My credit report shows that Midland is still reporting that I 'm disputing the account. I 've contact Midland by phone and have spoke with several of their agents after this situation was supposed to be resolved. Midland agents are very rude. On XXXX XXXX, 2016, the first agent I spoke with said his name was XXXX XXXX, I request that XXXX XXXX remove the dispute from my account after speaking with him, he assured me that my account was updated and was not showing any dispute marks. I requested to speak with a Manager and was transferred to a Manager name XXXX XXXX which she confirmed that the account was not being disputed. I explained to XXXX XXXX that I had requested that the dispute be removed several times before and that is was still showing in dispute. I told her that I was not disputing the account. She said that the account was not showing any dispute. I called back on XXXX XXXX, 2016 to verify that my account was updated. I spoke with a XXXX XXXX. I asked him to give me the information regarding my account. He explained what information that he was reading regarding my account. He stated that the account was being disputed. I said to XXXX XXXX that the account should not be in dispute, I requested that the dispute be removed from my account on XXXX XXXX, 2016 and many times before. I was assured that the account was not in dispute. I have written and called Midland many times. And they continue to report inaccurate information on my credit account to the Credit Reporting Agencies. I called the credit reporting agencies to inform the that I told XXXX that I was not disputing the account. When the credit reporting agencies would call Midland, Midland lie to them, tells them that I 'm disputing the account. Midland agents gives me several runarounds that I need to give them permission to talk to the credit reporting agencies or the name of the person that calls. I gave Midland names of the credit reporting agencies and individuals that could give information to regarding my account. Once one of the companies called that I gave them permission to give information pertaining to my account called. That person was told that Midland is saying the account is being disputed or that they need permission to from myself to talk to them. I have complied with every action that Midland asked that I do to have the dispute removed from my credit report. And all Midland employees have been lying. I spoke with XXXX XXXX XXXX at ext. XXXX and she said that my account was not showing in dispute. Then suggested that I speak with someone in consumer affairs. She supposedly transferred me to consumer affairs. The person that took the call hung up. I need Midland to remove this account from my credit file since they refuse to report accurate information.

Company response to consumer: Closed with non-monetary relief