Consumer complaint received 2025-10-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX XXXX : XXXX | DOB : XX/XX/1994 I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding a few erroneous items on my credit report. I was beyond appalled to learn that you somehow verified the disputed items in question somehow and they are still on my credit report, despite multiple previous written requests, which is now a violation of federal law.

According to the FCRA, you all have an obligation to have a copy of the original creditors documentation on file to verify that this information is mine and additionally, that it is reporting accurately. In the results of your initial and subsequent reinvestigation, you all simply stated in writing that you verifiedthat these items are reported correctly, to which I ask the following question : who verified these accounts? 
I ask because I am extremely interested in learning how you all arrived at this erroneous conclusion? I would like a complete list of all documents and any correspondence that came about in these alleged investigations. These lists should also include the names and contact information with anyone you all spoke with as part of this investigation. 
Despite my request, you all have FAILED to provide me a copy of anyORIGIN AL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). Not only that, but you have also failed to provide me with the method of verification as required under Section 611 ( a ) ( 7 ).

If you were actually familiar with and lawfully abiding by the FCRA, you would know that under Section 611 ( 5 ) ( A ), you are REQUIRED to ... promptly DELETE all information which can not be verified as the law is written. This is extremely clear and clearly indicates both the civil liability and the remedy available to me ( please see Sections 616 & 617 ) if you fail to comply with Federal Law. Had you actually conducted a thorough investigation properly as opposed to using your e-Oscar system you would have known that these items listed below should have been removed. 
These items listed below should have been removed. 
Name Of Account Account Number Provide Physical Verification Midland Credit Management XXXX FRAUD/Unverified Account I have conducted my own research in this instance and learned throughout doing so that in the case of Cushman v TransUnion, Stevenson v. TRW, and Richardson v. Fleet, Equifax, et al, the courts ruled in each and every instance throughout those cases that the Credit Reporting Agencies absolutely can not parrot information from creditors and collection agencies. In those rulings, it has been ruled that you all are REQUIRED to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/collection agency in question. Sending out a generic form through the e Oscar system that does not even contain my reasons for the dispute is not deemed reasonable! 
Please be aware that I am a litigious consumer and in the process of pursuing litigation in this matter to enforce my consumer rights pursuant to the FCRA in its entirety. I expect to receive a response within 15 days of receipt of this letter containing all of the information requested above, or I will expect to see the items in question permanently removed from all records. I have supplied all required documents multiple times establishing my identity; there is zero need for your fake games to attempt to buy time for lack of effort on your end by saying you need further information and documentation when you have everything you need as does my representation, the CFPB and my states attorneys office. 
I would greatly appreciate your prompt and swift service herein re solving these matters. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation