Consumer complaint received 2017-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management has failed to correct and update my account information. They have repeatedly and intentionally reported inaccurate information regarding my account. They have violated the 15 U.S. Code 1681s2 - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
( 2 ) Duty to correct and update information A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
Below you will find a timeline of my attempts to update the inaccurate information with the credit bureaus and with Midland Funding/Midland Credit Management directly. XX/XX/XXXX - I disputed the Midland Funding/Midland Credit Management ( MCM ) account on my credit profile with XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - My mortgage lender informs me that all dispute verbiage must be removed from my credit profiles before our loan application can go through underwriting. XX/XX/XXXX - The dispute investigation should now be complete, yet it still shows PENDING and I never received any results. XX/XX/XXXX - I contact XXXX regarding the dispute notation Consumer disputes reinvestigation in progress. Consumer disputes this account information. I request this notation be removed as the investigation should have been completed on XX/XX/XXXX. I informed XXXX that I do not dispute this account or account information and XXXX removed the dispute notation as requested on XX/XX/XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM reports to XXXX Consumer disputes this account information.
XX/XX/XXXX - I contact XXXX requesting the removal of the dispute notation : Consumer disputes this account information. I explain that I do not dispute this account or account information. XXXX removes the dispute notation as I requested on XX/XX/XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM re-reports Consumer disputes this account information. XX/XX/XXXX - I send a certified letter is to MCM requesting dispute notations be removed from all three of my credit profiles, as I do not dispute this account or account information. - ( LETTER IS ATTACHED )XX/XX/XXXX - I contact XXXX requesting the removal of the dispute notation : Consumer disputes this account information. I explain that I do not dispute this account or account information. XXXX removes the dispute notation as I requested on XX/XX/XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM re-reports Consumer disputes this account information. XX/XX/XXXX - I contact XXXX XXXX for assistance with removing the dispute notations from my credit profiles. I am assured that they can help me with the removal of the dispute notation before I sign up. XX/XX/XXXX - XXXX XXXX sends a legal challenge on my behalf to XXXX, regarding this account with Midland Funding/Midland Credit Management. - XXXX opens a new dispute : # XXXX ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - XXXX XXXX sends a Formal Debt Validation Request letter on my behalf to Midland Funding/Midland Credit Management. The letter requests a number of documentary items, as it is my right under the Fair Credit Collection Practices Act to request detailed information regarding any alleged outstanding debt. This letter did not contest facts or dispute this account with the creditor. XX/XX/XXXX - MCM reports Consumer disputes reinvestigation in progress Consumer disputes this account informationXX/XX/XXXX - I cancel my membership with XXXX XXXX, as they misinformed me during my initial consultation. - Midland Funding/Midland Credit Management sends me a letter which states : Dear XXXX, We have received and processed your dispute per Texas Finance Code. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found our information is correct. You have indicated that the following item ( s ) pertain to your account : Incorrect balance In order for us to further investigate your inquiry please provide the following documentation : Copies of contracts, bills, or statements showing amount owed and an explanation of disputed charges. In response to your dispute, we have requested that the three  major credit bureaus change the status of this account to Disputed. Your credit report will not be updated if the federal credit reporting period has expired. XX/XX/XXXX - XXXX dispute : # XXXX is COMPLETE ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM updates account notation to Consumer disputes this account informationXX/XX/XXXX - I sent a certified Letter to MCM stating that I do not dispute this account or account information. I request the removal of the compliance condition code from my credit profiles. I also requested my account information be updated so that compliance condition codes are not re-reported. ( LETTER IS ATTACHED )XX/XX/XXXX - MCM sends me a letter which states : Dear XXXX We have received and processed your dispute per Texas Finance Code.  After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found our information is correct. You have indicated that the following item ( s ) pertain to your account : We are uncertain of what you are specifically disputing In order for us to further investigate your inquiry please provide the following documentation : Written explanation and documentation demonstrating any errors in our account information. In response to your dispute, we have requested that the three major credit bureaus change the status of this account to Disputed. Your credit report will not be updated if the federal credit reporting period has expired. *** It is unclear when and what I communicated to them, as they fail to provide that information and the investigation has already completed. *** ( LETTER IS ATTACHED ) XX/XX/XXXX MCM sends me a letter which states : Dear XXXX, Thank you for your recent communication. The information you provided has been received and documented accordingly. *** It is unclear when and what I communicated to them, as they fail to provide that information and the investigation has already completed. *** ( LETTER IS ATTACHED ) XX/XX/XXXX - MCM receives my certified letter. - I contact XXXX requesting the removal of the dispute notation : Consumer disputes this account information. I explain that I do not dispute this account or account information. XXXX removes the dispute notation as I requested onXX/XX/XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM sends me a letter which states : Dear XXXX, This letter is in response to your request for a reporting adjustment. We have reviewed our records and instructed the credit reporting agencies to remove the previously reported dispute compliance condition. ( LETTER IS ATTACHED ) - MCM updates my account to Consumer disputes-reinvestigation in process XX/XX/XXXX - I contact XXXX requesting the removal of the dispute notation : Consumer disputes this account information. I explain that I do not dispute this account or account information. XXXX removes the dispute notation as I requested on XX/XX/XXXX. ( SEE ATTACHED XXXX ONLINE DISPUTE SUPPORTING DOCUMENT ) XX/XX/XXXX - MCM re-reports Consumer disputes this account information.