Consumer complaint received 2020-12-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ENCORE CAPITAL GROUP INC. (TX)

XXXX XXXX XXXX XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. XXXX XXXX XXXX XXXX TX XXXX < -- - ALL these ADDRESSES are NOT MINE. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL these names listed are NOT MINE. Why is there inaccuracies as this on my credit report? I understand there is many non-americans that come to the United States that becomes an American citizen and may have the same name as me in their credit report data. But please report my information accurately as many other people from my own race has the same name as me. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To me, this is unfair and unlawful. I don't understand what takes so long or why is it so hard to just remove all the information that does not belong to me off of my credit report data, it has been 5 months since I have yet to see XXXX, XXXX, or XXXX  help me in their own wrong reporting that these 3 companies put me in. All these 3 companies do is just place an automated response into my report against them and then the complaint gets closed. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please read this information I've found below. The report on my data is unlawful and unfair practices done to me. This does not follow the fair credit reporting act ( FCRA ), therefore is a violation of the fair credit reporting act ( FCRA ). 
Fair debt collection practices act ( FDCPA ) : 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX {$7600.00} MIDLAND FUNDING | XXXX XXXX. 
XXXX {$3000.00} < -- - ALL these accounts listed above are NOT MINE. This is a fair credit reporting act ( FCRA ) violation, none of these accounts were ever reported to me being written, mailed or orally. This is unfair practices and considered unlawful.