Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete credit reporting by XXXX  and its data furnishers, including Midland Credit Management, XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XXXX. Each of these accounts is being reported in violation of the Fair Credit Reporting Act ( FCRA ) and/or the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX {$2800.00} Duplicate Reporting : Both XXXX and XXXX report the same {$2800.00} debt. XXXX XXXX standards prohibit duplicate tradelines. 
Contradictory Reporting : Reported as both XXXX and Closed XX/XX/year>. 
Incorrect Account Type : Misclassified as a XXXX XXXX Account when it is a collection account. 
Missing DOFD : Failure to report the Date of First Delinquency violates FCRA 623 ( a ) ( 5 ), preventing the proper 7-year reporting period.

Bureau Violation : TransUnion verified this through XXXX without correcting errors, violating FCRA XXXX ( a ) ( reasonable investigation ) XXXX. XXXX XXXX XXXX {$800.00} Improper Account Type : Reported as an Open Account, which is false. Collections are not open credit accounts. 
Improper Past Due Reporting : A collection should show a balance, but not an amount past due.

Missing DOFD : No Date of First Delinquency reported, violating FCRA 623 ( a ) ( 5 ).

Failure to Validate Debt : When requested, the collector only provided a bill. This does not satisfy validation requirements under FDCPA 809 ( b ) ( 15 USC 1692g ), which require proof of ownership, original creditor, and itemized accounting. Reporting a debt without proper validation violates both FDCPA and FCRA. 

XXXX. XXXX XXXX XXXX XXXX ( Auto Loan {$5200.00} Charge-off ) Charge-off Reporting Errors : The account is listed as Charge-off but still shows a past due balance of {$5200.00}. Once charged-off, it can not continue to accrue past due status.

Contradictory Balance Reporting : Both Balance {$5200.00} and Unpaid Balance Charged Off are listed, which is inconsistent.

Improper Payment Reporting : A payment of {$8.00} is reported after the account was closed, which is contradictory.

Missing DOFD : The Date of First Delinquency is not reported, violating FCRA 623 ( a ) ( 5 ).

I request that the CFPB investigate these violations and require : 1. Deletion or correction of all accounts that can not be verified with complete and accurate information.

2. Enforcement of the requirement that furnishers report the Date of First Delinquency. 
XXXX. Investigation of XXXX collector for reporting without providing proper debt validation. 
4. Enforcement of FCRA 611 ( a ), requiring credit bureaus to conduct a reasonable investigation and not simply rely on automated responses.

These accounts remain inaccurate, incomplete, and harmful to my credit profile. I respectfully ask the CFPB to intervene and hold TransUnion and the furnishers accountable for these violations. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation