Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX [ Date ] To : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Formal Dispute of Inaccurate and Unverifiable Credit Reporting under 15 USC 1681e ( b ), 1681i ( a ) ( 7 ), 1681b, and 1666b Dear Credit Reporting Agency, I am writing to formally dispute and request deletion of inaccurate, outdated, and/or unverifiable information currently appearing on my credit file pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Truth in Lending Act ( TILA ). 

Specifically, I demand a reinvestigation and immediate deletion of the following derogatory and/or unverifiable accounts : XXXX. XXXX XXXX XXXX ( Account # XXXX ) Reporting as a collection, originally from XXXX XXXX. 
Marked PLACED FOR COLLECTION, balance : {$7000.00} Estimated removal : XX/XX/XXXX XXXX. XXXX XXXX XXXX ( Account # XXXX ) Original creditor : XXXX XXXX XXXX Balance : {$690.00} Marked PLACED FOR COLLECTION, removal : XX/XX/XXXX XXXX. MIDLAND CREDIT MGMT ( Account # XXXX ) Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX : {$860.00} Status : Collection XXXX. XXXX XXXX ( Account # XXXX ) Original creditor : XXXX XXXX Balance : {$350.00} Removal : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX ( Account # XXXX ) Status : Charged off and sold Removal : XX/XX/XXXX Grounds for Dispute 15 U.S. Code 1681e ( b ) Maximum possible accuracy You are legally obligated to ensure that any information furnished is accurate and up to date. These accounts contain questionable entries ( e.g., incorrect balances, unverifiable collection details, and inconsistent reporting ) that indicate a failure to ensure accuracy. 

15 U.S. Code 1681i ( a ) ( 7 ) Dispute procedure requirements Upon notice of a dispute, you are required to conduct a reasonable investigation and provide the consumer with written results and the method of verification. Unless you can fully verify with legally admissible documentation, you must delete the disputed accounts.

15 U.S. Code 1681b Permissible purpose I challenge whether the listed parties had a legally permissible purpose to access or report my information. I request validation of all inquiries and credit pulls related to these derogatory accounts.

15 U.S. Code 1666b Billing and grace period accuracy ( TILA ) In some cases, accounts may have violated consumer billing protections. Any interest or late charges accrued or reported inaccurately must be removed. 



Action Requested Pursuant to the laws listed, I request that you : 1. Conduct a full reinvestigation into the disputed accounts.

2. Provide written verification and all relevant documentation from the furnishers.

3. Delete any unverifiable or inaccurate information within 30 days of receipt.

4. Send me an updated credit report reflecting these changes.

Failure to comply may constitute willful noncompliance under FCRA 1681n and 1681o, which may result in legal action and statutory damages.

Thank you for your prompt attention. Please confirm receipt of this letter and inform me of the status of my dispute within the legally required timeframe. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation