Consumer complaint received 2024-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I am writing to formally dispute the following information in my credit report. The items I am disputing are listed below along with the reasons for my dispute. According to the Fair Credit Reporting Act ( FCRA ), this information must be removed or corrected if it is found to be inaccurate or can not be verified. 

The disputed items are as follows : - **Account Name** : MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - **Recent Payment** : None - **Monthly Payment** : None - **Original Balance** : {$1100.00} This information is inaccurate and should be deleted from my credit report. 

As a consumer, I also request to know all the steps your agency took to ensure these items were 100 % accurate. Under 15 U.S.C. 1681i ( a ) ( 7 ), a consumer reporting agency shall provide to a consumer a description referred to in 15 U.S.C. 1681g ( c ) ( 2 ) ( B ) ( ii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided by the agency, including the business name, address, and telephone number of any furnisher of information contacted in connection with such information, if reasonably available, by not later than 15 days after receiving a request from the consumer for that description. 

Additionally, under 15 U.S.C. 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall : 1. Promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 2. Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please provide a description of the verification procedure you used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this information.

I expect your prompt investigation and resolution of this matter, as well as a response within the required 30-day timeframe.

Thank you for your prompt attention to this important matter.

How and what method did they use to verify and investigate this account.

Company response to consumer: Closed with explanation