Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have experienced XXXX  loss of sleep, and emotional exhaustion due to the persistent errors and lack of accountability from the credit bureaus and furnishers. The financial burden of having to send certified letters, pay postage, and take time off work to address these issues has further strained my well-being. 
The combined emotional and financial toll has been overwhelming, and I am seeking full accountability and correction under the Fair Credit Reporting Act. 

XXXX XXXX XXXXXXXX Conflicting closure dates and late payments across bureaus ; violates FCRA 607 ( b ), 611 ( a ), 605 ( a ).- I have made a complaint to the XXXX ( XXXX ), sent several disputes, called and sent certified letter to all the bureaus. 

XXXX XXXXXXXX XXXX XXXXXXXX vs charged-off status and conflicting balances ; violates XXXX ( b ), XXXX ( a ).- I have sent several disputes, called and sent certified letter to all the bureaus. 

Midland Credit Management Inconsistent collection status ; unverifiable debt ; violates 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ), FDCPA 809 ( b ). I have sent several disputes, called and sent certified letter to all the bureaus.

Personal Information Incorrect names, DOB, and addresses ; violates 607 ( b ) - I have sent several disputes, called and sent certified letter to all the bureaus.

In addition to the inaccuracies detailed above, I wish to bring attention to the repeated data breaches suffered by all three major credit bureausXXXX XXXX and XXXXwhich have compromised sensitive consumer data and demonstrate a consistent failure to safeguard information as required under the Fair Credit Reporting Act ( FCRA 607 ( b ) and 623 ( a ) ). 

XXXX ( XXXX ) : Between XXXX and XX/XX/XXXX, a massive breach exposed the personal information of approximately XXXX XXXX consumers, including names, Social Security numbers, and dates of birth. 
XXXX  ( XXXX ) : A breach affecting approximately XXXX XXXX consumers tied to XXXX  credit checks compromised highly sensitive data. 
TXXXX XXXX XXXX ) : In XX/XX/XXXX, XXXX confirmed a data breach through a third-party vendor that exposed consumer data online. 

These repeated lapses highlight an ongoing pattern of negligence in data security and accuracy controls. Given these systemic failures, I request that all unverifiable and inaccurate information be immediately deleted from my file to prevent additional harm or exposure of personal data. 

The ongoing inaccurate and inconsistent reporting across XXXX XXXX XXXX XXXX has caused me significant emotional distress and financial hardship. For over a 3 years, I have invested time, effort, and financial resources attempting to correct information that should have been reported accurately in the first place. These inaccuracies have resulted in denials for credit and housing opportunities, higher interest rates, and emotional stress from being forced to continuously defend my integrity and credibility.

Company response to consumer: Closed with explanation