Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX SSN ( Last XXXX ) : XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Re : Formal Complaint Against Credit Bureaus and Debt Collectors Violations of FCRA & FDCPA Dear CFPB Enforcement Division, I am filing a formal complaint regarding XXXX XXXX XXXX and several third-party debt collectors. My credit reports dated XX/XX/XXXX, contain multiple items that are unverifiable, inaccurate, incomplete, or obsolete. These violations have caused significant harm to my consumer rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). 

Disputed Accounts & Violations XXXX XXXX {$470.00} No original creditor listed on any bureau. 
Violations : FCRA 609 ( a ) ( 1 ) ( failure to identify original creditor ), FCRA 607 ( b ) ( accuracy ), FDCPA 1692g ( b ) ( failure to validate debt ). 

Midland Credit Management {$1000.00} and {$1000.00} Duplicate entries with conflicting balances ; no original creditor listed. 
Violations : FCRA 607 ( b ) ( accuracy ), FCRA 609 ( a ) ( 1 ), FDCPA 1692e ( 2 ) ( A ) ( false representation of debt amount ). 

XXXX XXXX XXXX {$3700.00} No original creditor identified across all bureaus. 
Violations : FCRA 609 ( a ) ( 1 ), FCRA 607 ( b ), FDCPA 1692g. 

XXXX XXXX XXXX {$470.00} Missing original creditor. 
Violations : FCRA 609 ( a ) ( 1 ), FCRA 607 ( b ). 

XXXX {$180.00} ( TransUnion only ) No original creditor, unverifiable. 
Violations : FCRA 609 ( a ) ( 1 ), FCRA 607 ( b ). 

XXXX XXXX {$1100.00} ( Opened XXXX ) More than 7 years old ; obsolete.

Violation : FCRA 605 ( a ) ( 5 ). 

XXXX XXXX {$850.00} ( Opened XXXX, XXXX XXXXXXXX ) Date of first delinquency places this debt beyond 7-year reporting limit.

Violation : FCRA 605 ( a ) ( 5 ). 

WebBank/Fingerhut Severe lates from XXXX Negative payment history older than 7 years. 
Violation : FCRA 605 ( a ) ( 5 ). 

Other Accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Show inconsistent balances, missing contact info, and conflicting reporting across bureaus. Violations : FCRA 607 ( b ) ( maximum accuracy ), FCRA 609 ( a ) ( 1 ) ( incomplete disclosures ).

Legal Basis FCRA 605 ( a ) ( 5 ) : prohibits reporting accounts older than 7 years ( 10 years for bankruptcies ). 
FCRA 607 ( b ) : requires bureaus to ensure maximum possible accuracy.

FCRA 609 ( a ) ( 1 ) : requires disclosure of the original creditors name and address.

FCRA 611 : requires reinvestigation of disputed items.

FDCPA 1692e, 1692g : prohibit misrepresentation of debt and require validation of disputed debts.

These violations are clear, repeated, and have a harmful impact. I am requesting CFPB oversight to ensure permanent deletion of all unverifiable, inaccurate, incomplete, and obsolete accounts from my credit reports. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation