Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: ENCORE CAPITAL GROUP INC. (UT)

On XX/XX/XXXX, I pulled my credit report and found that XXXX had reported a late payment regarding an account ending in xxxx. This was an account that I did not recognize, hence I submitted a dispute with XXXX. As a result, XXXX listed the account as a charge-off. In XX/XX/XXXX, while working with my mortgage bank, this situation came up again. On XX/XX/XXXX, my loan office and I called XXXX to request information on the account. They were unable to provide any information on the account number. It was supposedly under my name, but no information would pull up. My loan officer requested a letter from XXXX confirming the account was not on record. They agreed to send it but never did. I therefore disputed the account once again with XXXX to request that it be eliminated from my credit history. They did so. 

On XX/XX/XXXX, my loan officer and I again spoke to XXXX to follow up with the dispute I had submitted with them. We asked to speak to a manager and, upon investigating further, she informed us the account had been sold. She advised me to contact XXXX XXXX to request a form for fraud. I do so but the form never arrived. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX ( MCM ) to collect on the XXXX account. This is how I found out that XXXX XXXX sold their XXXX account to XXXX. 

I opened a XXXX XXXX XXXX Card in XX/XX/XXXX while living in XXXX. I moved to XXXX inXX/XX/XXXX. On XX/XX/XXXX, I made a final payment on the card. I was told at the XXXX register that they would no longer be accepting the XXXX XXXX card, so I paid the membership directly with them. I thought that would be the last of the XXXX card. 

A new XXXX XXXX credit card was opened under XXXX without my knowledge or approval. I never received the card or activated the card. I never received digital information or billing on this card. NEVER. Doesnt a credit card have to be activated by the member to insure the correct person receives the card? This unauthorized account then charged dues and accrued late fees for a XXXX membership. XXXX proceed to file a late payment on my credit report in XX/XX/XXXX thus putting a severe drop on my score ( from XXXX to XXXX points ). MCM purchased this account on XX/XX/XXXX. As a gesture of goodwill and responsibility, I requested confirmation/proof of debt via XXXX statements and copies of late notices from them. MCM then sent another bill from their company as a form of confirmation. There were no copies of statements or late notices from XXXX. I called MCM and yet again requested confirmation of statements/bills. MCM responded by sending a pre-approval form for a payment discount program. I again called MCM to dispute the account and was told to give it time. They then sent a dispute result and a representation of printed document from XXXX XXXX, Vice President of XXXX XXXX XXXX . stating the balance amounts. This is the same XXXX that never sent me information in XX/XX/XXXX. 

MCM has now submitted a negative report on my credit. My FICO score, standing at XXXX, ( exceptional ) inXX/XX/XXXX, has now dropped to XXXX. I request that you investigate this issue and remove any negative information on all the federal credit bureaus on my accounts.