Consumer complaint received 2025-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Collection Account Under the Fair Credit Reporting Act ( FCRA ) & Fair Debt Collection Practices Act ( FDCPA ) Dear CFPB, XXXX XXXX Bank, XXXX, and/or XXXX XXXX I am writing to formally dispute an inaccurate and unfairly reported collection account on my credit report. The account in question is listed under Midland Credit Management XXXX XXXX for {$450.00}, originally from XXXX XXXX Bank, XXXX, and reported on XX/XX/year>. 

According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I have the right to dispute any inaccurate, incomplete, or unverifiable information on my credit report. Based on the following consumer protection laws, I am requesting an immediate investigation and removal of this account : Violations and XXXX Grounds for Removal : XXXX. Inaccurate Reporting of a Disputed Account ( FCRA Section 623 ( a ) ( 3 ) ) Violation : The law requires that if an account is disputed, the furnisher must not continue to report it without marking it as disputed. Midland Credit Management has continued to report this collection without proper verification. 
XXXX Requested : If Midland Credit Management has failed to verify the debt and is reporting inaccurate information, this account must be removed from my credit report. 
XXXX. Failure to Provide Debt Validation ( FDCPA Section 809 ( b ) ) Violation : The FDCPA requires debt XXXX to provide proper validation of the debt upon request. If they fail to do so, they can not legally continue collection efforts, including reporting the debt to credit bureaus. 
XXXX Requested : Midland Credit Management must cease reporting this debt unless they can provide legally valid proof of ownership and validation of the debt. If they can not validate the debt, the account must be deleted immediately. 
XXXX. Re-Aging of XXXX ( FCRA Section 605 ( c ) ) Violation : If the original delinquency date has been altered to extend the reporting period, it violates federal law, which limits negative reporting to XXXX years from the original delinquency date. Any attempt to reset the reporting timeline is unlawful. 
XXXX Requested : If this debt is being reported beyond the legal timeframe or the date has been improperly updated, it must be removed immediately. 
XXXX. Unverified Collection Practices ( FCRA Section 609 ( a ) ( 1 ) ) Violation : Under this section, I have the right to request the original creditors verification of the debt. Midland Credit Management must prove that they have the legal authority to collect this debt and that it is being reported accurately. If they fail to provide this documentation, the debt can not legally remain on my report. 
XXXX Requested : If Midland Credit Management can not provide a valid chain of ownership from the original creditor, this collection must be removed from my credit file. 
XXXX. Unfair and Deceptive Collection Practices ( FDCPA Section 807 ( 8 ) ) Violation : It is illegal for a debt collector to misrepresent information or report inaccurate debts. If this debt was disputed with the original creditor and remains unresolved, Midland Credit Management should not have placed this account for collection. 
XXXX Requested : If this debt is inaccurate or misleading in any way, it must be removed from my credit report immediately. 

Requested XXXX from the Credit Bureau : I formally request that the credit bureau : Conduct a full investigation into this account. 
Request Midland Credit Management to provide full debt validation, including proof of assignment and ownership of the debt. 
Delete or correct any inaccurate, outdated, or unverifiable information. 
Provide me with written confirmation of the investigation results within 30 days, as required by FCRA Section 611 ( a ) ( 1 ) ( A ).

Supporting Documents Enclosed : Copy of my ID Proof of address Copy of my credit report highlighting the disputed entry Thank you for your prompt attention to this matter. Under FCRA Section 611 ( a ) ( 1 ) ( A ), you are required to complete this investigation within 30 days. If this matter is not resolved accordingly, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for further action.

Company response to consumer: Closed with non-monetary relief