Consumer complaint received 2025-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
On XX/XX/year> To midland credit XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX and any other debt that was reported as a closed and charged off account and is now being reported as negative after I requested an investigation and documentation from all parties The account reported as closed and charge off on my credit it wasnt until i requested the investigation and information included below that the collector then re opens the account and reported again negative to my credit this is not a debt I owe to this company I have no legally binding contract with them I requested all information to prove this debt is valid nothing has been received this information was requested to fix and remove all reporting from XXXX the investigation failed to fix the discrepancies and continued to report on my credit no documentation requested was provided Subject : Dispute of Charge-Off Reporting FCRA 1681s-2 ( b ) & Colorado State Law Dear midland credit XXXX XXXX XXXX XXXX XXXX I am formally disputing the reporting of the following charge-off account : Creditor/Debt Collector : midland credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off This reporting is inaccurate, incomplete, and unlawful. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and the Colorado Fair Debt Collection Practices Act ( C.R.S. 5-16-108, 5-16-111 ), you are required to conduct a proper investigation and verify the accuracy of the information.

I demand that you provide full documentation to substantiate this charge-off, including : A signed contract, payment and charge-off history, IRS Form 1099-C ( if applicab
le ), cancellation date/reason code.

Proof of Metro 2 compliance and an audit trail of tradeline updates. 
Proof the account has not been re-aged and that you have authority to report. 
Assignment/ownership documents if the account was transferred. 

Federal & State Law Violations Under FCRA 1681i, unverifiable or inaccurate information must be deleted within 30 days.

Under Colorado law ( C.R.S. 5-16-108 ( 1 ) ( a ) - ( b ) ), it is unlawful to misrepresent the legal status of a debt or continue to report unverifiable information.

Under C.R.S. 5-16-111 ( 1 ), once a debt is disputed, all reporting/collection must cease until verification is provided.

Under the Colorado Consumer Protection Act ( C.R.S. 6-1-105 ( 1 ) ( u ) ), misrepresenting the character, amount, or legal status of a debt is a deceptive trade practice.

Required Action If you can not fully validate this account, you must : 1. Immediately delete the charge-off from all credit reporting, and 2. Cease all collection and reporting activity related to this account.

Failure to comply will subject you to civil liability under both federal law ( 15 U.S.C. 1681n, 1681o ) and Colorado state law ( C.R.S. 5-16-113 ; 6-1-113 ). 

Please provide written confirmation of your investigation and an updated credit report reflecting the deletion of this account within 30 days.

Company response to consumer: Closed with non-monetary relief