Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
XXXXXXXX XXXX : XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX  ) * * Issue : XXXX reported with {$4200.00} balance. 
Violation : No payment reported since XX/XX/XXXX, yet account remained open and reported monthly with no updates in balance or payments.

FCRA Violation : Failure to report accurate and updated information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

UCC Issue : If the vehicle was repossessed and sold, balance reporting may violate UCC 9-615 ( d ) unless proper accounting was provided post-sale. 

Dispute Letter ( Summary ) I dispute the accuracy and completeness of the repossession account reported by XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX ). As per 15 U.S.C. 1681i ( a ), please investigate this entry. It continues to report a stale balance and pay status beyond the date of last payment ( XX/XX/XXXX ). Additionally, no post-sale accounting disclosure appears to have been provided under UCC 9-615. Please remove or correct this entry within the XXXX period mandated by law. 



XXXX. XXXX : XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX ) * * Issue : Charged-off with a {$3200.00} balance, yet shows credit limit of {$0.00} for an extended period post-closure. 
Violation : Misleading account status and inconsistencies in credit limit history.

FCRA Violation : Inaccurate or incomplete data reporting ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) ). 

Dispute Letter ( Summary ) Please investigate the XXXX XXXX account ending in XXXX. The reported charge-off reflects an inaccurate credit limit of {$0.00} from XX/XX/XXXX to XX/XX/XXXX, contradicting earlier data and artificially lowering utilization history. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I request immediate investigation and deletion/correction. 



XXXX. XXXX : XXXX XXXX ( Acct # XXXX XXXX XXXX ) * * Issue : Reported charged-off for {$100.00}, despite XXXX consecutive OK payments before delinquency. 
Violation : Disproportionate charge-off for a minimal amount, possibly unverified debt. 
FCRA Violation : Unverifiable and disproportionate reporting ( 15 U.S.C. 1681i ( a ) ).

UCC Note : Minimal consumer balances often can not be legally pursued without substantiation ( UCC 3-308 ). 

Dispute Letter ( Summary ) I dispute the charge-off reported by XXXX XXXX XXXX XXXX amount of {$100.00}. The debt is de minimis, poorly documented, and disproportionate in its treatment. Please validate this entry or remove it per 15 U.S.C. 1681i ( a ) and 1681s-2 ( b ) ( 1 ). If you can not verify the legitimacy and proportionality of this claim under UCC 3-308, it must be deleted. 



XXXX. Charge-Off : XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX ) * * Issue : Paid settlement marked as charge-off, even though its Paid in Full. 
Violation : Charge-off and paid in full status should not coexist without clarification. 
FCRA Violation : Misleading credit reporting ( 15 U.S.C. 1681e ( b ) ). 

Dispute Letter ( Summary ) The XXXX XXXX account shows both paid in full and charge-off status, which is contradictory. Per 15 U.S.C. 1681e ( b ), this dual reporting is misleading and adversely affects my creditworthiness. Please investigate and update this to reflect settled in full, or remove the derogatory reference. 



XXXX. XXXX : XXXX XXXXXXXX XXXX  ( Acct # XXXXXXXX XXXX XXXX ) * * Issue : Account was current through most of its term, then shows inconsistent late reports before charge-off. 
Violation : Discrepancies in the historical reporting and charge-off balance.

FCRA Violation : Inconsistent monthly data and potential overreporting ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

Dispute Letter ( Summary ) I challenge the reporting on account # XXXX with XXXX XXXX. Numerous inconsistencies in delinquencies prior to the charge-off render this report inaccurate. Under 15 U.S.C. 1681s-2 ( a ), I request an investigation and correction or removal of this account. 



XXXX. XXXX : XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX ) * * Issue : XXXX balance of {$300.00} reported in collection despite earlier payment of {$260.00}. 
Violation : Past-due amount appears inflated or inaccurate. 
FCRA Violation : Failure to report payment history correctly ( 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) ). 

Dispute Letter ( Summary ) The collection account from XXXX XXXX XXXX includes a balance inconsistent with the stated high balance and last payment amount. Under 15 U.S.C. 1681i ( a ), please investigate and delete or update this unverifiable entry. 



XXXX. Collection : XXXXXXXX XXXX  ( Acct # XXXXXXXX XXXX XXXX  ) * * Issue : Duplicate of earlier XXXXXXXX XXXX charge-off. 
Violation : Possible double reporting of same debt. 
FCRA Violation : Duplicate tradeline reporting ( 15 U.S.C. 1681e ( b ) ). 

Dispute Letter ( Summary ) XXXX XXXX is reporting a debt originally from XXXX XXXX XXXX which is already listed as a charge-off. This duplicate tradeline constitutes inaccurate double-reporting and must be corrected or deleted under 15 U.S.C. 1681e ( b ). 



XXXX. XXXX : Midland Credit ( XXXX # XXXX XXXX XXXX  & # XXXXXXXX XXXX XXXX XXXX XXXX ) * * Issue : XXXX charge-off collections, XXXX previously disputed, with inconsistent past due balances. 
Violation : Items lack updated investigation outcomes and may not meet reporting accuracy standards.

FCRA Violation : Continued reporting of previously disputed accounts without verification ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ).

Dispute Letter ( Summary ) Midland Credit continues to report collection accounts that were previously disputed and marked unresolved. Per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), unverified items must be removed. Please conduct a re-investigation or delete both entries. 



XXXX. Collection : XXXX XXXX ( Acct # XXXXXXXXXXXX XXXX XXXX ) * * Issue : Balance of {$280.00} from XXXXXXXX XXXX shows Completed investigation consumer disagreed, yet it remains unchanged.

Violation : Dispute outcome not reflected ; debt appears unresolved.

FCRA Violation : Failure to update status after reinvestigation ( 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) ).

Dispute Letter ( Summary ) XXXXXXXX XXXX  entry remains unchanged after a dispute, with no justification for continued derogatory reporting. This violates 15 U.S.C. 1681i ( a ) ( 5 ) ( C ). Please delete or provide the full method of verification used.

Company response to consumer: Closed with non-monetary relief