Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report and noticed inaccurate information. I have reached out to MIDLAND CREDIT MANAGEM., requesting that they delete the inaccurate information on the account. MIDLAND CREDIT MANAGEM responded, stating all information on my credit report was verified, valid, and accurate. I have now sent a correspondence listing the inaccuracy, and I demand that this account be deleted from my report immediately. Dear Sir/Madam, I am writing to formally dispute the inaccurate reporting of the Midland Credit Management account under my credit report. After reviewing the details provided by you, I have identified several discrepancies in the reporting of this account. I respectfully request that the following errors be corrected immediately, the account be deleted from my credit report, and all alleged late payments be removed as they are misrepresenting my credit status under the Fair Credit Reporting Act ( FCRA ). 
Inaccuracies Identified : 1. Misclassification of Account Status as Charge-Off with No Payment History : The account is reported as a Charge-Off with no payment history available. The account status is misleading, as it does not reflect any payments that may have been made. The absence of payment history, combined with the " Charge-Off '' status, creates an inaccurate picture of my creditworthiness.

Violations Identified : o FCRA Violation : Section 1681s-2 ( b ) Duty of furnishers of information to investigate disputed information accurately.

o Code : Failure to provide accurate account status and misclassification as Charge-Off without supporting data.

2. No Payment History Reported : The report shows " No History Available '' for this account, which is misleading and violates FCRA regulations that require accurate reporting. If payments were made, they should be reported, but the absence of payment history misrepresents the account as unresolved when that may not be the case.

Violations Identified : o FCRA Violation : Section 1681i ( a ) ( 1 ) Reinvestigation of disputed information must be completed and corrected promptly.

o Code : Failure to report complete and accurate payment history.

3. Inconsistent Reporting Across Agencies ( Midland Credit vs. Midland Credit Management ) : The account is reported under different versions of Midland Credit Management ( e.g., MIDLAND CRE and MIDLAND CREDIT MANAGEM ), with inconsistent status and missing data. This inconsistency violates the FCRA, which mandates accurate and consistent information across all reporting agencies.

Violations Identified : o FCRA Violation : Section 1681e ( b ) Duty to maintain accuracy and consistency of information reported across all bureaus.

o Code : Failure to maintain consistent data reporting across different collection agencies.

4. Alleged Late Payments Reported as No Data Available : The account is listed as having No Data Available for months when payments should have been recorded, especially in XXXX and XXXX, leaving the account without clarity on whether payments were made or missed. This omission creates confusion and further misrepresents my credit history.

Violations Identified : o FCRA Violation : Section 1681e ( b ) Duty to maintain accuracy and consistency in data reported.

o Code : Failure to provide accurate reporting of payment status during active months.

Total Violations : 8 violations Total Violations Breakdown : 3 violations related to misclassification as Charge-Off without supporting evidence.

2 violations related to missing or incomplete payment history.

2 violations related to inconsistent reporting across different collection agencies.

1 violation related to alleged late payments being reported as No Data Available.

Violation of FCRA : Under the Fair Credit Reporting Act ( FCRA ), I am entitled to accurate and timely reporting of information. The inaccuracies in this account violate the FCRA, which mandates that only accurate information be reported to credit bureaus. These violations must be corrected immediately.

Statutory Damages for FCRA Violations : The FCRA allows for statutory damages of {$100.00} to {$1000.00} per violation. Given the total number of violations, I am entitled to seek damages as follows : 3 violations related to misclassification as Charge-Off without supporting evidence : Potential Damages : {$300.00} to {$3000.00} 2 violations related to missing or incomplete payment history : Potential Damages : {$200.00} to {$2000.00} 2 violations related to inconsistent reporting across multiple collection agencies : Potential Damages : {$200.00} to {$2000.00} 1 violation related to alleged late payments being reported as No Data Available : Potential Damages : {$100.00} to {$1000.00} Total Potential Damages : {$800.00} to {$8000.00} Requested Action : I respectfully request the following actions : 1. Immediate deletion of this account from my credit report due to the inaccuracies and misclassifications.

2. Immediate correction of the account status to accurately reflect the account and remove any wrongful " Charge-Off '' reporting.

3. Correction of the payment history to include accurate information for all months.

4. Revised reporting to ensure consistent and accurate data across all credit bureaus and collection agencies.

Please conduct a thorough investigation of these discrepancies and correct them immediately. I request a written response detailing the actions taken within 30 days, as required by the FCRA.

Notice of Legal Action : If these issues are not resolved promptly, I will pursue legal action under the FCRA for the violations identified, including seeking damages of {$800.00} to {$8000.00} for the 8 violations identified above. I am entitled to these damages as part of the statutory remedies available to me under the FCRA, and I am prepared to pursue this course of action if the errors are not rectified.

Thank you for your immediate attention to this matter. I look forward to your prompt resolution. 
Sincerely, XXXX XXXX SS # : XXXX

Company response to consumer: Closed with explanation