Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland Credit Management Inc. is purposely reporting a collections account with an a open status and submitting fraudulent information with term as a regular consumer account and Experian is Aiding and Abetting with them knowing the entire account is not in Metro 2 compliance when brought to their attention.

I am a victim of identity theft. I did not open or authorize the alleged account with Midland Credit Management or XXXXXXXX XXXX, under account number ending in XXXX Under the Fair Credit Reporting Act ( FCRA ) 605B, identity theft victims are entitled to have fraudulent information blocked from their credit reports upon proper notification and documentation.

1. 2. 3. 4. I have filed an identity theft report and can provide a police report and/or FTC Identity Theft Report upon request to support this claim.

A collection account, by its nature, is already in default status.

It is fundamentally inaccurate and duplicative to report monthly late payments on an account that has already been charged off or sold to collections. According to the FCRA, credit information must be accurate and not misleading. See 15 U.S.C. 1681e ( b ) : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Courts have recognized that reporting ongoing delinquencies after charge-off can be misleading and unfair. 
In XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX XXXX ), the court acknowledged that : " Once an account is in collection, reporting monthly delinquencies serves no practical purpose and may be misleading to creditors evaluating the consumers creditworthiness. '' Similarly, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( S.D. XXXX XX/XX/XXXX ), the court found that : " It is deceptive to continue reporting monthly late payments on an account that is already in collection status, as it inaccurately extends the period of delinquency. '' Industry standards, including guidance from the CDIA and Metro 2 Format, also discourage this reporting practice.

The Metro 2 credit reporting standard, used by major credit bureaus, advises that collection accounts should not contain monthly payment histories once they are reported as collections. The account status alone marked as in collectionis sufficient and appropriate. 
The Metro 2 format, developed by the Consumer Data Industry Association ( CDIA ), outlines mandatory data accuracy standards for furnishers of information. Reporting a disputed and fraudulent collection account as verified and valid, without furnishing the correct dispute code ( XB for consumer dispute under investigation or XZ/XC as appropriate after investigation ), violates Metro 2 guidelines and FCRA 623 5. Violation of FCRA Requirements According to 15 U.S. Code 1681i, credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of any information. 
Failure to remove unverifiable or inaccurate data within the allotted 30-day period constitutes a violation of federal law. 
Please see letter attached with all detail details

Company response to consumer: Closed with non-monetary relief