Consumer complaint received 2025-04-01 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 writing to formally again request full validation of the account referenced in your correspondence and to dispute several inaccuracies regarding my credit file that involve fraudulent activity. 

I am only XXXX XXXX XXXX, and I recently reviewed my credit report, which contains accounts, inquiries, and addresses that I do not recognize or have any knowledge of. Specifically, I noticed that an account with XXXX XXXX was reported with a date of birth showing the year XXXX, which is inaccurate, as my actual date of birth is XX/XX/XXXX. In addition, I have no record of ever applying for or receiving a credit card with XXXX XXXX, yet the account is listed on my credit report, and a collection account has since been transferred to Midland Management. 

Furthermore, I moved from my previous address on XX/XX/XXXX, and I was still XXXX XXXX XXXX at that time. However, the information on my credit report shows multiple addresses that I never resided at, including one associated with the XXXX XXXXXXXX account. I believe that these discrepancies, along with the inquiries, were generated as part of fraudulent activity under my Social Security Number ( SSN ). 

I have requested validation and verification from XXXX XXXX, but instead of providing the necessary information, they sent a fraudulent account to Midland Management, who then sent me collection notices. I have repeatedly asked for full documentation to validate this account and have provided my identification to the credit bureaus, yet this issue remains unresolved. 

Additionally, when I attempted to verify my identity with Midland Management, their system rejected my information, indicating that the account in question does not belong to me. 

Given these circumstances, I am requesting the following : 1. A full validation and verification of the XXXX  XXXX account, not a statement, including all supporting documents such as the original application, contract, and any verification of identity or authorization for this account. 
2. A detailed explanation of how and when the account was opened, and how my personal information was obtained to open this account. 
XXXX. A statement from XXXX XXXX and/or Midland Management confirming the account was opened fraudulently or that the information in question is inaccurate. 
XXXX. Removal of any fraudulent accounts, inquiries, and addresses from my credit report. 
Ive only applied for XXXX credit to build my account. 

My address as an adult been XXXX XXXX XXXX XXXX Ga XXXX. No address should be on my account because I didnt add them Im currently still only XXXX so how do I have all these inquires, and addresses. 

Please consider this a formal dispute of any accounts or inquiries related to the above. Under the Fair Credit Reporting Act ( FCRA ), you are required to investigate and respond to my dispute within 30 days. 

I appreciate your attention to this matter and request that you provide me with the necessary documentation to resolve this issue promptly. If you are unable to validate this account, I ask that you remove all related information from my credit report and cease any further collection activities related to this account. 

Please confirm receipt of this dispute and provide me with an update on the status of your investigation. Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief