Consumer complaint received 2024-02-08 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: FL

Complaint narrative:
I am writing to formally address and rectify inaccuracies in my credit file as reported by your agency. It has come to my attention that there are discrepancies in the information provided by XXXX, XXXX, and XXXX regarding my revolving accounts, specifically pertaining to my XXXX XXXX account. 

Upon thorough examination of the provided breakdown, it is evident that there are inconsistencies in the reporting of crucial details such as account status, payment history, and derogatory remarks. The discrepancies are outlined below : XXXX XXXX Account Information : Account Number : XXXX High Balance : {$880.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$880.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory Account Description : Individual Dispute Status : Account not disputed Creditor Type : Bank Credit Cards Account Status : Closed Payment Status : Collection/Chargeoff Creditor Remarks : Charged off as bad debt ; Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : -- Past Due Amount : {$880.00} Account Type : Credit Card Payment Frequency : -- Credit Limit : {$600.00} XXXX : The account is incorrectly listed as derogatory and charged off, with discrepancies in the payment status and creditor remarks. 
XXXX : No information is provided regarding this account. 
XXXX : The account is incorrectly listed as derogatory and charged off, with discrepancies in the closed date and payment status. 
Payment History : XXXX and XXXX do not report any payment history, while XXXX erroneously lists numerous consecutive months as CO ( Chargeoff ) without providing a comprehensive explanation. 
Days Late - XXXX Year History : There are discrepancies in the number of days late reported by each bureau, indicating inconsistencies in the reporting of payment delinquencies.

These inaccuracies are profoundly concerning as they significantly impact my creditworthiness and financial reputation. I demand immediate action to rectify these errors and ensure that my credit report accurately reflects my financial standing.

I hereby request that you : Conduct a thorough investigation into the discrepancies outlined above.

Correct the inaccuracies in my credit report promptly.

Provide written confirmation once the corrections have been made.

Take necessary measures to prevent similar errors from occurring in the future.

Please note that failure to address these concerns in a timely and satisfactory manner may result in further escalation of this matter, including legal action.

I expect a prompt response within [ state a reasonable timeframe, e.g., XXXX  days ] from the date of this letter. You may reach me at the contact information provided above.

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation