Consumer complaint received 2024-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I am formally disputing the above-referenced Midland Credit Management accounts reported on my credit reports. Despite submitting multiple disputes over the past several months, Midland Credit Management has failed to provide validation of these debts within the legally mandated 30-day timeframe under the Fair Credit Reporting Act ( FCRA ). Additionally, the reporting contains multiple errors and inconsistencies, making these accounts eligible for immediate deletion. 

Errors Identified Duplicate Reporting Entries The accounts have been reported under different numbers with similar details, which appear to be duplicate entries : Account Numbers : XXXX, XXXX Error : Duplicate entries misrepresent my credit status and inaccurately inflate my debt. 
Violation : FCRA 607 ( b ) Failure to ensure maximum possible accuracy.

Illogical Reporting Dates The Start Dates for these accounts are listed as XX/XX/year>, which is a future date and factually impossible. 
Error : Reporting a future date is misleading and inaccurate.

Violation : FCRA 607 ( b ) Inaccurate and misleading reporting. 
Inconsistent Account Statuses The accounts are reported inconsistently : XXXX reports the accounts as Closed with a Collection/Chargeoff status. 
XXXX reports them as Open with a Collection/Chargeoff status. 
Error : Conflicting account statuses across bureaus indicate inaccurate reporting. 
Violation : FCRA 607 ( b ) Failure to ensure accurate and consistent reporting. 
Conflicting Balances and High Balances The balances reported are inconsistent : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent balances and high balances are misleading and inaccurate. 
Violation : FCRA 607 ( b ) Failure to ensure accurate balance reporting.

Failure to Validate the Debt Despite multiple disputes over several months, Midland Credit Management has not provided any documentation validating these debts.

Violation : FCRA 611 ( a ) ( 1 ) ( A ) Requires validation of disputed information within 30 days.

Specific FCRA Violations Failure to Investigate and Verify Disputed Information Violation : FCRA 611 ( a ) ( 1 ) ( A ) Midland Credit Management must investigate and verify disputed information within 30 days. They have failed to do so. 
Failure to Delete Unverified Information Violation : FCRA 611 ( a ) ( 5 ) ( A ) If the information can not be verified within 30 days, the account must be deleted. These accounts remain on my report despite no validation.

Failure to Ensure Maximum Possible Accuracy Violation : FCRA 607 ( b ) The errors in dates, account statuses, and balances violate the requirement to ensure accurate reporting. 
Misleading and Duplicate Reporting Violation : FCRA 623 ( a ) ( 1 ) Reporting duplicate accounts and conflicting information constitutes misleading reporting.

Company response to consumer: Closed with explanation