Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: KS

Complaint narrative:
In XXXX of XXXX I made a payment of {$69.00} to XXXX. My balance was {$79.00} before payment so my XX/XX/XXXX balance should have been {$9.00}. But when I logged into XXXX account in beginning of XXXX it showed my balance as {$52.00}. I sent XXXX an email asking what these charges were for because I didn't buy anything else. I got a confusing answer so I called and spoke with a XXXX  rep. She too gave no clear answer as to what these charges were for. I told her I wasn't paying until they fixed my bill. She got angry and hung up on me. I contacted XXXX   online directly after hoping this would fix the problem. 
Sometime later, not sure when, I get a letter from a collection agency saying I owe XXXX over {$1600.00}! I thought they were tacking on {$1600.00} interest and told them I wasn't paying it. 
I got serious about my credit report starting XXXX of XXXX.This is when I discovered that XXXX basically said I only paid for one order and didn't pay for the other 4. Right. Like they are going to let me keep placing orders if I didn't pay for the previous ones. I have been trying to get this collection account and negative XXXX off since then. Midland Credit won't validate the debt like I asked. They keep playing games and say they are unsure of what I am disputing or that I need to get a statement from police department for identity theft. They won't remove it from credit report and keep reporting twice monthly to credit bureaus and trying to collect. 
I disputed through credit bureaus and investigation ends with " Info reported verified as correct ''. I contacted XXXX rep and told them nothing was validated so how can info be correct? She said they don't have to send docs to XXXX because they are a 3rd party. So Midland Funding can lie and say they verified. 
Then I contacted Kansas Attorney General 's Office and after everything I gave them they said there wasn't enough info to investigate XXXX after they contacted XXXX. XXXX sent KS AG a typed word doc with everything I bought, the dates purchased, and the amounts. But not the actual account statements because that would also show the credits to my account. I think this should have been an obvious red flag to KS AG. Where are the account statements showing my balance growing every month? Past due statements where they are chasing me down for money? They don't exist because I paid them all but {$10.00}. 
XXXX also told KS AG that the last purchase I made was in XX/XX/XXXX. If my balance was {$52.00} in XXXX ( even with bogus charges ) and I never made any purchases after that, how could I owe XXXX over {$1600.00}? But even after pointing out the obvious, KS AG looked the other way. So I just contacted XXXX myself yesterday and asked them for all of my account statements from XX/XX/XXXX - XX/XX/XXXX. They told me they are unable to honor my request because they sold the account and to contact Midland Credit Management. No one will validate or give me account statements but despite all of the disputes all I got out of this was my credit score dropping 3 times for trying to correct this. 
I actually found 2 emails that I sent to XXXX in early XXXX which is how I know what my balance was and how much the bogus charges were. If you give me an email address, I will gladly forward them to you. 
Plus I will attach the bogus statement that Midland has attached to my file. The accounting is so bad, the numbers don't add up and the statement makes no sense. I also attached a Sample XXXX Statement to show what a XXXX statement actually looks like. 
I want this bogus information removed from my credit report. From XXXX and Midland Credit. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation