Consumer complaint received 2021-02-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (OH)

To whom it may concern! 
Hi my name is XXXX XXXX, and the reason I am writing this complaint is because I really need this government agency to help me figure out what is going on with my credit score. I have been paying my all my debts for more than a year now. But each time I check the three credit bureaus I notice that for some unknown reason " XXXX '' is the only one with inaccurate information. I recently filed a dispute online on the XXXX website. When I check the results of the dispute today I found out that the dispute results were done since XX/XX/2021 today is XX/XX/2021 and my credit score has not been updated. One of the dispute seems that they did not investigate correctly. The amount from the listed in one of the account is not accurate. Even before I file the dispute with XXXX the amount was down to XXXX dollars. This is an account from Midland Funding I just paid the last balance of {$30.00} dollars ( the account has been paid in full, Conf # XXXX ) but XXXX and XXXX are still showing the wrong amount on their website. This mistake is really hurting my credit score, specially now that I am making plan to buy my first home. There is another account with the amount of XXXX dollars from XXXX XXXXXXXX XXXX, that I made a dispute to remove the account from my credit report because the creditor never advised me of such account before taking me to collection. XXXX has already removed the account from my credit report but as always XXXX still have the account listed on my credit report. Another account I need to complaint about is about a car loan that I had through XXXX XXXX, that account has been satisfied I was able to see it on the dispute results from XXXX but the agency has not made any update on my credit score yet when they finished the dispute on XX/XX/2021. XXXX  has already update the information about the XXXX account like more than a week ago. Even though XXXX makes some mistake sometimes I can say that the agency works better than XXXX No wonder my credit score in XXXX  is XXXX but in XXXX  is XXXX forever. I am begging this Goverment agency to investigate XXXX I believe that they are not doing their job and the investigation they perform is a fake. Specially now that they are working from their home, they are not doing what they suppose to be doing. It is not onl me who are suffering the consequences of the misinformation, I have been talking to a lot of people that are experiencing the same issue. It is not fair when someone like me works so hard and because some people decide not to do their job well I have to go through all this madness just to get my information corrected. This is causing me a lot of stress, mentally and emotional. I remember before that only by calling XXXX  and asking the representative to update the records was sufficient as long as the customer had a confirmation number or a payment receipt that would be sufficient but Saturday when I called XXXX the second representative I spoke to, I asked him if he could please update the record with the confirmation number I had and he in a very mean way told me that he could not do that. That I would have to file another dispute or wait for the creditor to send the information to XXXX within 30 days.