Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (CA)

MIDLAND FUNDING contacted me by phone attempting to collect a debt I never agreed or contracted to pay. The calls were harassing aggressive and very threatening. I explained to them then that this debt is clearly a mistake and doesn't belong to me because I was unaware of owing any debt. I have never agreed or contracted to pay on this debt. They explained to me they purchased this debt from XXXX XXXX and they now were owned the debt, they stated I know longer had to pay XXXX XXXX I had to pay them. I then asked how is that possible if I never agreed to contracted to pay them anything or contracted to pay XXXX XXXX anything. They then stated, they would continue to call me everyday about this debt and they would eventually get what was owed to them. After non stop harassing calls I sent in a debt validation letter and didn't receive a response.I have attached a copy of the debt validation letter I sent to this company in the image attachment section below. After months of no response I sent in another debt validation letter and still have yet to receive a response. They started to report negative defaming, and inaccurate information on my credit report.Upon checking this account I noticed MIDLAND FUNDING reported multiple inaccuracies on this account to the three main credit reporting agencies. I immediately thought to myself this account was not handled with accuracy or integrity due to the number of inaccuracies within this account. I tried to handle this with the CRA 's, however they failed to investigate this matter thoroughly.I was promised an investigation but one was never done, then I was told they would forward my investigation to their dispute channel. I knew then the CRA would not help remove this inaccurate Information from my consumers report. Which has now prompted me to submit this complaint. Since MIDLAND FUNDING has never supplied me with sufficient information in order to validate this debt when I requested it, I know this debt is a mistake. I don't not feel like my account was handled with accuracy and/or integrity as 12 CFR 1022.41states it should be. Therefore, with respect, I am challenging the accuracy and integrity of this information. 
12 CFR 1022.41states ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 

12 CFR 1022.41 ( d ) also states Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

Due to the number of inaccuracies within this account which I have highlighted in the two images below in the attachment section I know this debt is a mistake and shows this account was not handled with accuracy or integrity. As you can see for account # XXXX There are innacurate reporting dates, inaccurate dates shown open, inaccurate last reporting dates, inaccurate last active and the inaccurate last payments made on this account. There is no way 12 CFR 1022.41 was upheld before furnishing this Information to the CRA 's and as a consumer I am suffering tremendously. Please remove this account from my consumers report. Due to the inaccuracies of this account I have been denied loans I would have been approved for had this account been handled with accuracy and integrity. This has caused me sleepless nights, stress and really bad XXXX. I cant sleep and sometimes XXXX cant eat. I have been denied housing, employment, and jobs solely based on the inaccurate reporting on this account to the main credit reporting agencies. I have lost sleep behind this, I have lost money, and almost became homeless because this account was not handled with accuracy or integrity as 12 CFR 1022.41 states they should be. No one should be threatened as I was, No one should suffer like that as I have, and furnishing companies should be upholding 12 CFR 1022.41 at all times since consumers suffer when they don't. 

account # XXXX