Consumer complaint received 2016-05-31
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (NJ)

This issue has been filed previously, but I am refiling as a new complaint with new information on how the Debt Collector ( assett management, dba midland funding ) currently, and then has been doing business. 

I have/had a Collection account on my personal credit report that showed up in 2011. This account was inserted and appeared to be somewhat accurate - as I did have an account with what they added to the account number as - XXXX. 

It is asserted that the XXXX file specifications, and then the XXXX guidelines - neither allow for defaults, not publish data in consumer reports when this is supplied by the Debt Collector. 
Instead, all data is published as provided by the Debt Collector, or rejected when the limited data validations occurs. 

Assett Acceptance - was/is continuing to report this data in an inaccurate way, and was alerted as to what it was doing on my own report. 

As a sender of protected data, and then that which must adhere to XXXX and the CRG guidelines, and then under the mandates of FCRA - I assert that they reported, and then continue to report this information inaccurately, and then - when presented with the problem has not corrected its data issues and how this information is presented on consumer Credit Files. 

A sample of how all Collection accounts must exist on a credit report is attached, and as it resides from XXXX 's site directly. 

FCRA 623, says you have been told - and you must fix. 

The CRG - Credit Report Guideline, specify the data that must be used to report collection data on consumer reports. 

1. For the XXXX file details sent by AA/Midland, Segments XXXX and XXXX - which are communicated and then required to be used by Collection companies, and then control how the data is recieved, stored, viewed and used in credit scoring - AA/MF FAILS follow these standards. 

2. AA/MF fails to self identify itself as a Debt Collector on its file submissions to all CRA 's. Because of this failure, they become allowed to send MORE data than otherwise allowed. 

3. These Debt Collector accounts are showing up on consumer reports as Credit Grantor, including my own 4. These Debt Collection accounts - are showing up with Pay Histories, when this is NEVER allowed. 

5. These accounts are using an actovity designator - that is never allowed to be used. 

6. These accounts are using date fields - that are never allowed to be used by a debt collector. 

7. These accounts are NEVER clodes, instead the activity designator/current status is left as blank or NA 8.You AA is reporting as Installment accounts, when you are not a credit grantor, and can not 9. AA/MF - you use the comment fields to store data intended for the XXXX and XXXX segments, and can not /should not A/MMidland funding, you are being alerted once again that that data you furnish is inacurrate. 

As per FCRA - 623, you are required to fix it. 

In any typical XXXX for any data exchange to an external system, you - the data furnishes has a fiduciary responsibility to ensure the data you send is accurate. 

Its not. 

I have a rather robust sampling of consumer reports from folk whose data is displaying the same way, and I am hopeful you - will fix your data issues. 

This issue has been communicated, and the issues exist without resolution. 

Please resolve your data reporting practices.