Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute and Request for Immediate Deletion Midland Credit Management / Account # XXXX Dear XXXX XXXXXXXX Department, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and misleading information reported on my XXXX  credit report related to the following collection account : Company Name : Midland Credit Management XXXX XXXX : XXXXXXXX XXXX Account Number : XXXX Reported Balance : {$630.00} Account Status : Collection account, past due as of XX/XX/XXXX Date Opened : XX/XX/XXXX Nature of Dispute This account is being inaccurately reported and contains multiple inconsistencies and omissions that materially misrepresent the status and history of this debt : XXXX. Conflicting balance reporting. The account shows paid off ( 0 % balance ), yet XXXX still reports it as {$630.00} past due as of XX/XX/XXXX. This is a direct contradiction that misleads any potential creditor. 
XXXX. Inconsistent payment history. Payment activity is labeled XXXX ( XXXX ) in select months ( XXXX, XXXX, XXXX ), while other months are marked as XXXX or entirely blank. This reporting is incomplete and ambiguous. 
XXXX. Failure to correct inaccuracies after prior dispute. Your records show this item was previously disputed by consumer, but XXXX failed to correct the inaccuracies or remove the unverifiable account. The current listing is still erroneous and violates the requirement to maintain maximum possible accuracy under FCRA 1681e ( b ). 
XXXX. No validation has been received. I have not received any debt validation from Midland Credit Management despite their continued reporting. Under FDCPA 1692g ( b ), a debt collector may not continue to report or collect on a debt without validating it after a dispute is initiated. 
Legal Violations The continued reporting of this inaccurate and unverifiable account constitutes violations of the following federal statutes : FCRA 1681i Failure to conduct a reasonable reinvestigation of disputed information FCRA 1681e ( b ) Failure to ensure maximum possible accuracy of the credit report FCRA 1681s-2 ( b ) Furnishers duty to correct and delete inaccurate information after dispute FDCPA 1692g ( b ) Prohibits continued collection or reporting without validation of the debt Requested Resolution I am demanding the complete and permanent deletion of this account from my Experian credit report. This account has not been validated, contains conflicting and incomplete reporting, and was previously disputed with no lawful or accurate resolution. No further updates, corrections, or remarks are acceptable only full removal. 
This letter will also be submitted as part of a complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) due to Experians failure to uphold federal consumer protections and its repeated handling of inaccurate data. 
Please confirm removal of this account in writing within XXXX  days, as required under FCRA 1681i ( a ) ( 1 ). 
Sincerely, XXXX XXXX XXXX Last XXXX Digits : [ XXXX ] XXXX : [ XX/XX/XXXX ]

Company response to consumer: Closed with explanation