Consumer complaint received 2026-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
The consumer has identified inaccuracies and unverifiable information on their credit report. These inaccuracies include incorrect account statuses, unauthorized inquiries, and discrepancies in personal information. Despite previous disputes, the credit bureaus have failed to adequately investigate and correct these errors. Under the Fair Credit Reporting Act ( FCRA ) sections 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to maintain accurate information and conduct timely reinvestigations upon receiving dispute notifications. The persistent inaccuracies have caused significant harm to the consumer 's creditworthiness and financial well-being. The consumer has suffered from incorrect credit data reporting, which has led to unjust denials of credit, potential employment impacts, and increased financial stress. These errors violate the consumer 's rights under federal law. Disputed Accounts MIDLANDCRE Account # : XXXX [ XXXX ] Issue : Duplicate derogatories, unverifiable debt Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX Account # : XXXX XXXX XXXX XXXX XXXX Issue : Duplicate derogatories, outdated charge-off Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX XXXX Account # : XXXX [ XXXX ] Issue : Unverifiable debt, duplicate derogatories Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX XXXX XXXX Account XXXX : XXXX [ XXXX ] Issue : Unverifiable debt, duplicate derogatories Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX Account # : XXXX [ XXXX ] Issue : Unverifiable debt, duplicate derogatories Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX XXXX Account # : XXXX [ XXXX ] Issue : Charged off as bad debt, unverifiable debt Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX XXXX BANK Account # : XXXX [ XXXX ] Issue : Charged off as bad debt, unverifiable debt Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX XXXX Account # : XXXX [ XXXX ] Issue : Charged off as bad debt, unverifiable debt Violation ( s ) : FCRA sections 1681e ( b ), 1681i MIDLAND CRED Account # : XXXX [ XXXX ] Issue : Duplicate derogatories, unverifiable debt Violation ( s ) : FCRA sections 1681e ( b ), 1681i MIDLAND CREDIT MANAGEM Account # : XXXX [ XXXX ] Issue : Duplicate derogatories, unverifiable debt Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX XXXX Account # : XXXX [ XXXX ] Issue : Unverifiable debt, duplicate derogatories Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX XXXX XXXX Account # : XXXX [ XXXX ] Issue : Unverifiable debt, duplicate derogatories Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX XXXX Account # : XXXX [ XXXX ] Issue : Charged off as bad debt, unverifiable debt Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX XXXX XXXX Account # : XXXX [ XXXX ] Issue : Charged off as bad debt, unverifiable debt Violation ( s ) : FCRA sections 1681e ( b ), 1681i XXXX Account # : XXXX [ XXXX ] Issue : Charged off as bad debt, unverifiable debt Violation ( s ) : FCRA sections 1681e ( b ), 1681i Hard Inquiry Disputes XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA section 604 XXXX XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA section 604 XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA section 604 Personal Info Discrepancies Incorrect names XXXX XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX Correct name XXXX XXXX XXXX XXXX Incorrect addresses : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX Correct address XXXX XXXX XXXX XXXX, XXXX XXXX, FL, XXXX Incorrect birthdates XXXX XXXX, XXXX, XXXX Correct birthdate : XXXX Cite : FCRA section 1681e ( b ) Legal Basis FCRA sections 1681i, 1681s-2, 1681e ( b ) XXXX XXXX guidelines - Industry standard for data formatting Consumer Harm The inaccuracies on the consumer 's credit report have resulted in loan denials, higher interest rates, and have negatively impacted potential employment opportunities. The consumer has experienced significant financial stress and XXXX as a result of these errors, which have tarnished their creditworthiness. Requested Resolution Permanent deletion of unverifiable/inaccurate items Full reinvestigation and documentation of disputed items Correction of any illegal or incorrect reporting practices

Company response to consumer: Closed with explanation