Consumer complaint received 2024-09-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (VA)

I have reached out to XXXX by calling them at XXXX. I advised this company that they are reporting twice to my account that I was just made aware of when pulling my credit. I did some research on the two accounts and I informed her I dont even ember opening these accounts. she stated the account was back in XXXX and gave me information on the credit itself. she could not pull me up by my first and last name or my date of birth. she used my full social and advised me of the two accounts within my name, again I informed her I did not have knowledge she then responds and stated that I had to contact midland credit management. I advised her that I did not know it was sold to midland credit management at all. she then stated she gave em th date it was sold. I asked her why would they be reporting to my credit if it was sold to someone else. she stated by law they have to report it, I have NEVER received any information in regards to this acount being sold. Also there was never anything sent to me letting me know the account was sold. As I did more instigating and pulled my credit report. This account is on my credit as midland credit management as well. so they are BOTH reporting to my credit as to that is misleading and inaccurate especially since I was unaware and also the fact thats the original creditor and third party are collecting on the same debt.I DID NOT GIVE PERMISSION TO DISCLOSE MY INFORMATION TO ANY THIRD PARTY AND AGAIN I WAS NOT AWARE OF THIS DEBT AND MIDLAND NEVR SENT WRTTEN NOTIFCATION TO ME, I informed XXXX XXXX that they could not report especially if I was unaware and don't remember and for midland to report thats misleading because they are both reporting on the same debt. XXXX & XXXX account on my credit reports to the debt collection amount midland credit in amount of {$630.00} with original creditor XXXX thats the same two accounts in one being reported! I then call midland credit management they stated they could not speak on this account because of a cfpb report I currently have, I advised them I sent certified mail requesting information about this account information WAY before I did the cfpb report. by law they have 15 days to respond and I NEVER got a response back. he actually stated since it was a complaint with cfpb that they could not provide me with the information even though. requested this WAY before the cfpb. They actually did not have my address until I called back on XX/XX/XXXX requesting the information that was suppose to be sent back for verification they told me it was the XX/XX/XXXX. I also have proof recording of this information. Today they are stating they still cant disclose. They sold an unverified account to another third party without my consent disclosing information, they also did not provide me information I requested Never responded and also violating my fcra rights as well. i will be taking legal action due to this matter for incorrect reporting and violating m rights! I will attatch information I sent to midland and information I sent to XXXX XXXX.