Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
I am filing this formal complaint and dispute regarding the inaccurate reporting of the above-referenced account. Upon reviewing my credit report, I discovered that Midland Credit Management is reporting this account as a collection account even though the debt was paid before it was ever placed in collections, and therefore the reporting is false, misleading, and unlawful. 

This inaccurate reporting violates multiple sections of the Fair Credit Reporting Act ( FCRA ), U.S. federal laws, and California state laws. These violations require immediate correction.

DISPUTED INFORMATION The debt was paid prior to being assigned or sold to collections.

Therefore, Midland Credit Management had no legal basis to report this account as a collection. 

The reporting is false, inaccurate, and misleading, causing direct harm to my creditworthiness. 

I am demanding immediate deletion of this inaccurate collection account. 

FCRA VIOLATIONS ( Federal Law ) Midland Credit Management, as a furnisher of information to consumer reporting agencies, is required to follow strict compliance under the FCRA. You have violated the following : 1. FCRA 623 ( a ) ( 1 ) ( A ) You may not furnish information that you knowor should reasonably knowto be inaccurate.

2. FCRA 623 ( a ) ( 2 ) You must correct and update information that is discovered to be incomplete or inaccurate.

3. FCRA 623 ( a ) ( 5 ) You must accurately report the Date of First Delinquency ( DOFD ). Reporting a paid debt as a collection is a violation.

4. FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) You must ensure maximum possible accuracy in the information furnished to credit bureaus.

5. FCRA 623 ( a ) ( 8 ) Consumers have the right to dispute inaccurate information directly with the furnisher which I am doing here.

6. FCRA 623 ( a ) ( 7 ) You must provide all required information when reporting to consumer reporting agencies. Failing to report that the account was paid violates this provision.

7. FCRA 611 & 15 U.S.C. 1681i ( a ) Although this applies to bureaus, furnishers must cooperate fully and provide accurate verification. Unverifiable information must be removed.

ADDITIONAL U.S. FEDERAL LAW VIOLATIONS 15 U.S.C. 1681s-2 ( b ) Once notified of a dispute, Midland is required to : Conduct a reasonable investigation, Review all relevant information, Correct or delete inaccurate data, and Report results back to the bureaus.

Failure to do so is a direct violation of federal law.

CALIFORNIA STATE LAW VIOLATIONS As a California resident, I am protected by additional state consumer protection statutes.

California Consumer Credit Reporting Agencies Act ( CCRAA ) Midland has violated : Cal. Civ. Code 1785.25 ( a ) A furnisher may not report information that it knows or should know is inaccurate.

Cal. Civ. Code 1785.25 ( c ) A furnisher must correct and update information found to be inaccurate.

Cal. Civ. Code 1785.25 ( g ) You can be held liable for negligent or willful reporting of inaccurate information.

California Consumer Privacy Act ( CCPA ) Your reporting also violates : Cal. Civ. Code 1798.105 Right to request correction of inaccurate personal information.

Cal. Civ. Code 1798.110 & 1798.115 Requirement to maintain accurate personal information shared with third parties. 

XXXX Fair Debt Collection Practices Act ( Californias FDCPA ) If Midland is reporting false or misleading collection activity, this violates : Cal. Civ. Code 1788 et seq. prohibition on deceptive or misleading debt collection practices.

Company response to consumer: Closed with explanation