Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I am disputing a rental collection that XXXX is reporting on my XXXX  credit report. The account is listed with a balance of {$2700.00} and a Date of First Delinquency of XX/XX/XXXX. I never received any documentation, itemized statements, or a validation notice from XXXX at any point before or after they began reporting the account. 

I contacted XXXX  and disputed the account on XX/XX/XXXX, because the dates, balance, and assignment information appear inaccurate. XXXX verified the account to XXXX, but they did not provide me with any proof of the debt, a lease agreement, a ledger, or documentation showing they have legal authority to collect on behalf of XXXX XXXX. 

XXXX  verification appears automated and does not meet the requirements of FCRA 611, which requires the furnisher to conduct a reasonable investigation. They also failed to comply with FDCPA 809, which requires a collector to provide written validation of the debt upon request and prohibits reporting unverifiable information.

I believe the reporting is inaccurate, incomplete, and unverifiable. XXXX has not provided any supporting documents. 
XXXX  Midland Credit Management is reporting a debt buyer account on my XXXX  credit report with a balance of {$750.00}. I disputed this account through XXXX  on XX/XX/XXXX, because Midland has not provided any documentation proving they own the debt or that the amount being reported is accurate.

As a debt buyer, Midland is required to be able to produce the chain of assignment, the original creditor agreement, and an itemized statement showing how the balance was calculated. I have not received any of this information.

Despite the lack of documentation, Midland verified the account to XXXX. This appears to be an automated verification rather than a lawful, reasonable investigation as required by FCRA 1681e ( b ) and FCRA 611.

Midland has also failed to provide validation under FDCPA requirements, even though they are reporting negative information about me. Without proper documentation, they should not be furnishing information to the credit bureaus.

CRB is reporting a {$750.00} debt buyer collection account on my XXXX  credit report. The account appears to duplicate another collection being reported for the same balance, but CRB has not provided any documentation to show ownership, assignment, or itemized accounting. 

I disputed the account with XXXX  on XX/XX/XXXX, because the amounts, dates, and account information appear inaccurate or incomplete. CRB verified the account without providing proof of the debt or any supporting documents. 

CRB has not provided a copy of the original agreement, a bill of sale, proof of assignment, or an itemized breakdown of the amount owed. Reporting an account without proper documentation violates FCRA 611, which requires furnishers to only report complete and accurate information, and FDCPA requirements regarding debt validation.

The lack of documentation also makes it impossible to determine whether this is a duplicate account or whether the amount is correct.

Company response to consumer: Closed with explanation