Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This is a formal request for re-investigation under the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ) ( 1 ) ( A ), concerning a new dispute based on material information and documents not previously submitted. I am disputing the accuracy and legitimacy of any tradeline Midland Credit Management ( MCM ) is attempting to report or collect on related to XXXX XXXX XXXX  XXXX XXXX account XXXX and MCM account XXXX. The original XXXX XXXX tradeline was permanently deleted from my Equifax credit file on XX/XX/year>, as confirmed by Equifax Confirmation # XXXX. However, I received a collection letter from MCM dated XX/XX/year>, which claims that the account was sold to them on XX/XX/year>. This claim is factually and legally inconsistent, as the XXXX XXXX account was already removed from my credit report eight days prior to the alleged sale. This discrepancy raises substantial concerns of post-deletion re-aging, improper sale, or an unauthorized attempt to reinsert a deleted tradeline.Any reinsertion of previously deleted information is strictly governed by FCRA 1681i ( a ) ( 5 ) ( B ), which requires the data furnisher to certify the accuracy of the information and mandates that the credit reporting agency provide written notice to the consumer within XXXX business days of reinsertion. No such certification or notice has been provided in this case. Furthermore, FCRA 1681e ( b ) requires that all information reported be verified to the standard of maximum possible accuracy, which can not be achieved here due to the lack of documentation, the deletion history, and the conflicting timelines between Equifax and MCM. Additionally, under FCRA 1681b ( a ) ( 2 ), no permissible purpose exists for Midland Credit Management to furnish or report this account, as I never authorized such access or collection activity. This account is not mine, and I believe it may be the result of identity theft or fraudulent reporting. Pursuant to FCRA 1681c-1 ( b ) ( 1 ) ( B ), I am invoking my right to block the reporting of information that I identify as resulting from identity theft, and I am doing so without a police report, as federal law allows.To support this dispute, I am submitting a copy of my government-issued ID, a recent utility bill verifying my current address, the XXXX  XXXX letter confirming that the account was removed from my credit report as of XX/XX/year>, and the Midland Credit Management collection XXXX XXXX XX/XX/year>, which contradictorily claims the account was sold to them on XX/XX/year>. These facts make it clear that Midland is attempting to validate or collect on a tradeline that was previously deleted, which is unlawful and must not be permitted. I request that Equifax immediately and permanently block or delete any record, tradeline, or inquiry related to XXXX XXXX XXXX  XXXX XXXX account XXXX and MCM account XXXX. Please provide written confirmation that this matter has been resolved or issue a full reinvestigation report with supporting documentation within the timeframes required by law. Failure to comply will be treated as willful noncompliance under FCRA 1681n and 1681o, and I reserve all rights to pursue further legal remedies.I declare under penalty of perjury that the statements contained in this dispute are true and correct to the best of my knowledge.

Company response to consumer: Closed with non-monetary relief