Consumer complaint received 2025-01-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC.
State: CT

Complaint narrative:
I have sent signed and notarized identity theft affidavits MULTIPLE times to Midland Credit Management. I've tried sending them all together in XXXX package referencing the different accounts and I have mailed disputes and a signed, notarized identity theft affidavit for each account in separate envelopes. The company continues to send the same cookie cutter response letter that even acknowledges that they have received the identity theft affidavit. But states that the company has concluded the information is accurate with no details on what was investigated and no proof of same. The letter continues by stating the NEXT STEPS in order for the company to investigate further is that I need to provide a copy of a police report, a notarized fraud affidavit, a completed XXXX XXXX XXXX fraud affidavit, a court order relating to elder or dependent adult abuse, or a sworn written certification from a qualified third-party professional such as a court-appointed attorney, court-appointed advocate, or board-certified psychiatrist or psychologist. The verbiage in the list of documents states XXXX which indicates any in the list are acceptable. Even though this letter previously acknowledges that they have already received my signed, notarized fraud affidavit- which is the Federal Trade Commission version. Just to further prove the company does not pay attention to correspondence received and just spits out the SAME letter, I received XXXX of their letters dated XX/XX/XXXX indicating they RECEIVED my identity theft affidavit and the NEXT STEP was to SEND AN IDENTITY THEFT AFFIDAVIT to them, so I complied yet again with their request and sent another signed, notarized Federal Trade Commission affidavit to the company with a copy of their XX/XX/XXXX response letter and what would you know, I received the same exact response letter with an updated date of XX/XX/XXXX. Same circle, round and round, chasing my tail and no results. In addition, the company is outside of fair debt reporting practices by reporting these accounts on my credit report under Midland Credit and yet they are also showing up on my credit report under the original creditors as well, so it's being double reported. I have been dealing with them for years and have gotten nowhere and none this is adversely affecting my life as I'm a first time expectant mother and due in a few months and am being told that because of these debts I will not be able to obtain a suitable residence for my growing family and will have to remain in a XXXX bedroom apartment, XXXX adults, a baby in a crib and XXXX large dogs. They have had this for XXXX yrs and the XXXX of Limitations of XXXX yrs is mid XXXX before it will fall off my credit unless they take action and investigate my identity theft affidavit and correctly remove it from my credit report.

Company response to consumer: Closed with non-monetary relief