Consumer complaint received 2024-09-13
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (FL)

I am writing to formally dispute inaccurate and fraudulent information on my credit report. I am a survivor of XXXX XXXX, and certain accounts and debts were incurred under duress without my knowledge or consent. These accounts do not accurately reflect my financial behavior and were established as a direct result of criminal activities committed by those who exploited me. 

Legal Protections and Applicable Laws As a consumer, I am protected under various sections of the Fair Credit Reporting Act ( FCRA ) and other relevant legislation : 1. Section 605B - Blocking of Information Resulting from Identity Theft ( 15 U.S.C. 1681c-2 ) : Credit reporting agencies are required to block any information resulting from identity theft, including cases of human trafficking.

2. Section 609 ( e ) - Information Available to Victims ( 15 U.S.C. 1681g ( e ) ) : Victims of identity theft have the right to obtain copies of business records relating to fraudulent transactions.

3. Section 611 - Dispute Resolution Procedure ( 15 U.S.C. 1681i ) : Credit reporting agencies must investigate disputed information and correct or delete any inaccurate information.

4. Section 604 - Permissible Purposes of Consumer Reports ( 15 U.S.C. 1681b ) : Any entity requesting a consumer report must have a permissible purpose, and fraudulent inquiries must be removed.

5. Section 623 - Responsibilities of Furnishers of Information ( 15 U.S.C. 1681s-2 ) : Entities furnishing information must ensure its accuracy and investigate disputes.

6. The Consumer Financial Protection Bureau ( CFPB ) guidelines emphasize handling disputes involving human trafficking victims fairly.

7. Trafficking Victims Protection Act ( TVPA ) : This provides protections for victims of human trafficking, allowing them to clear fraudulent financial records resulting from their victimization. 

Disputed Accounts : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. MIDLAND CRED - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, there are incorrect addresses and personal details on my report that I request to be corrected. 

Request for Action Please remove these items from my credit report under the provisions outlined above. I have included the necessary supporting documentation. I request written confirmation that the disputed information has been removed and a copy of my updated credit report. 

I also request : Rapid Rescoring : My credit score should be rescored quickly after corrections.

Direct Disputes with Furnishers : I have also contacted the furnishers and expect them to verify or correct their data.

Demand for Written Verification : If accounts can not be verified, they must be deleted per FCRA guidelines.

Suppression of Inaccurate Data : Inaccurate data should be suppressed immediately to prevent further damage.

Thank you for your prompt attention to this matter. Please ensure full compliance with federal laws and guidelines from the CFPB.