Consumer complaint received 2022-06-01
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello CFPB, I am attaching a PDF to this complaint that is formatted to be easier to read than this text only field. Please kindly review that PDF in full. 

Im hoping you can help me Remove an Improper Reporting on my credit report. 

Midland Credit Management is falsely reporting the following account number XXXX I have NEVER had a contract with this company for Anything Whatsoever! 

Harassment : Employees from Midland Credit Management repeatedly call my personal cell phone and Harass me with Threatening, Discriminating, Demeaning and Rude language. 

I am Scared to hear the phone ring, because Im Fearful, never knowing what Nefarious and Underhanded tactic Midland Credit Management will be using to harass me another time. 

I have blocked countless Virtual Telephone Numbers used by this company to mask their true identity and trick people to answer the phone from a telephone number that appears to be local to their area code. Unfortunately, they just use another virtual telephone number to circumvent being blocked. 

This has gotten so bad that I flinch whenever the phone rings and no longer answer my phone from any phone numbers that I dont recognize. Its terrorizing. 

( If you need, I will send you screen shots from my phone showing the dates times and phone numbers they use to contact me. ) I want this company to immediately delete everything they have added to my credit report. 

Furthermore I want all credit reporting agencies ( XXXX, XXXX, XXXX etc ) to immediately delete, from my credit report, anything related to Midland Credit Management and/or account number XXXX. 

Midland Credit Management does NOT have permission to contact me ever again in any form whatsoever! 


Right to Privacy : Midland Credit Management Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

Likewise 15 U.S.C 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions. 

I did not Grant, Approve or Authorized Midland Credit Management permission to obtain any information or report it onto my credit report. I do NOT approve this reporting! 

I want Midland Credit Management to ; Cease and Desist reporting any and all information to all consumer reporting agencies. 
AND Delete all previously reporting to all consumer reporting agencies. 

Ignoring this Cease and Desist will be evidence that the violation of the FCRA and infringements were willing, and deceptive. 

Midland Credit Management must Immediately Delete this account, # XXXX, unless they want to be held liable for {$1000.00} per violation as permitted by tha FCRA. 
Improper Validation : I disputed this reporting directly with Midland Credit Management by sending them a letter on XXXX. 

On the same date I sent dispute letters to XXXX, XXXX and XXXX requesting they remove this inaccurate reporting. 

These letters were sent certified mail. ( I will be happy to send you a copy of the letters and the certified mail tracking numbers if you need them. ) Midland Credit Management Did NOT provide to me a Full and Complete Verification of this account reporting as REQUIRED by 12 CFR 1006.34 ( c ) Validation information Since they violated this statute, Midland Credit Management must Immediately Delete this account, # XXXX and all relating information, OFF of my credit report. 


Improper Re-Aging of Account : The most infuriating thing this company has done is to repeatedly report a new balance on my credit report, essentially fraudulently re-ageing this account. 

One day they report a new balance increased by One ( XXXX ) dollar, then days later the new balance will decrease by One ( XXXX ) dollar. 

This is Fing insane, I have no interaction with this XXXX company so there is no plausible reason for the balance to fluctuate by XXXX ( {$1.00} ) dollar OTHER than for Midland Credit Management to attempt to continue their fraudulent reporting on my credit report in-perpetuity. 

Midland Credit Management is engaging in this illegal re-ageing practice as detailed in FCRA Section 623 ( 5 ) ( A ). 

Below I will include a timeline of events recorded by the credit monitoring service I pay for, XXXX ( I will be happy to send you screen shots of these events if you require. ) Since they violated this re-ageing statute, Midland Credit Management must Immediately Delete this account, # XXXX off of my credit report. 

Likewise XXXX, XXXX, XXXX must immediately delete, anything related to Midland Credit Management and/or account number XXXX. 

Timeline XXXX - XXXX sent a dispute letter to Midland Credit Management requesting validation of the account. 
XXXX - A new comment is made to my credit report ( regarding the account in question ) on XXXX and XXXX Comment : Consumer disputes this account information XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX and XXXX. 
XXXX - Midland Credit Management reports a new balance Decreased by {$1.00} ( XXXX Dollar ) to XXXX. 
XXXX - Midland Credit Management reports a new balance Decreased by {$1.00} ( XXXX Dollar ) to XXXX. 
XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX. 
XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX. 
XXXX - Midland Credit Management reports a new balance Decreased by {$1.00} ( XXXX Dollar ) to XXXX. 
XXXX - Midland Credit Management Calls my Cell Phone from an New Phone Number ( I block it ) XXXX - Midland Credit Management reports a new balance Increased by {$1.00} ( XXXX Dollar ) to XXXX. 
XXXX - Midland Credit Management Calls my Cell Phone TWICE from an New Phone Number ( I block it ) XXXX - Midland Credit Management Calls my Cell Phone from an New Phone Number ( I block it ) ( I can send you screen shots of each of the events in this timeline. ) Midland Credit Management is Artificially Increasing and Decreasing a new balance to harass me through their fraudulent and illegal activity through my credit report, keeping this account active, Re-Aging it in-perpetuity. 
Then they call my cell phone, presumably to further attempt to intimidate me. 

I have XXXX HAD ENOUGH!!!!! 


Midland Credit Management must Immediately Delete this account, # XXXX off of my credit report. 

XXXX, XXXX and XXXX must immediately delete EVERYTHING related to Midland Credit Management and/or account number XXXX. 


Factual Inaccuracies : Please kindly see XXXX screen shots below, taken from my credit report on XXXX. ( Ive added arrows pointing at the line items labeled Balance and High Credit ) The Balance item is listed at {$7600.00} and the High Credit item is listed at {$7600.00} a difference of XXXX ( {$1.00} ) dollar. 

These XXXX items can NOT be factually accurate in the same universe! 

Please also note the Date of last Activity is reported as follows. 

XXXX XXXX, XXXX XXXX, XXXX XXXX That is XXXX XXXX! I have NO interaction whatsoever with Midland Credit Management, so there CANT BE ANY LAST ACTIVITY REPORTED!!!! Furthermore, they are years different!!!! 


If Midland Credit Management does not immediately remove this reporting I will be forced to take further action of seeking damages of up to {$1000.00} per violation. 

Likewise, If Midland Credit Management does not immediately remove this reporting, I will be forced to report them to the California State Attorney General and XXXX XXXX XXXX 

Furthermore, If Midland Credit Management, XXXX, XXXX and XXXX do not immediately remove this reporting, I will retain Legal Counsel to seek the full legal remedy Im entitled to via the courts. 



Resolution / Remedy : By now you should realize I am VERY upset and believe the only way I can find relief is to report Midland Credit Management to the regulating authorities. 

I apologize for my tone, MASSIVE frustration and colorful vocabulary. 

Midland Credit Management is perpetrating Fraudulent and Illegal Reporting on my credit report in MANY different ways, and IVE HAD ENOUGH! 


In accordance with 15 U.S.C. Sec. 1681i ( a ) I want this account deleted because there is no possible way it is being reported legally, XXXX percent right, correct, factual and accurate. 


Midland Credit Management must Immediately Delete this account, # XXXX off of my credit report. 

XXXX, XXXX and XXXX must immediately delete EVERYTHING related to Midland Credit Management and/or account number XXXX. 


I look forward to resolving this issue as SOON as Possible. 

Thank you for your continued assistance. 


XXXX XXXX Please find my identification documents attached below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last 4 of XXXX : XXXX

Company response to consumer: Closed with non-monetary relief