Consumer complaint received 2025-12-04 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: PA

Complaint narrative:
CFPB COMPLAINT XXXX FAILED INVESTIGATION & FAILURE TO VERIFY DISPUTED ACCOUNTS Subject : XXXX  Failed to Conduct a Reasonable Investigation & Improperly Verified Inaccurate Credit Reporting To the Consumer Financial Protection Bureau : I am filing a complaint against XXXX  regarding their handling of multiple credit disputes. XXXX  failed to perform a legally compliant investigation under the Fair Credit Reporting Act ( FCRA ) and improperly marked several disputed accounts as verified as accurate without providing proof of verification or conducting a reasonable investigation. 
My XXXX  Dispute Investigation Results dated XX/XX/2025 ( File Identification Number : XXXX ) show that multiple accounts were marked as verified, yet XXXX  did not provide any documentation, contracts, payment records, or evidence from the furnishers showing that the accounts are accurate. The results summary explicitly states that XXXX  relied on the furnishers response, which appears to have been obtained through an automated XXXX confirmation, not an actual human review or investigation as required by FCRA. 
1. XXXX  Violated FCRA 611 ( Reasonable Investigation ) TransUnion verified the following accounts without sending me any documentation proving accuracy : XXXX XXXX XXXX XXXX XXXX  Account ending XXXX XXXX XXXX XXXX Account XXXX Midland Credit Management Multiple collection accounts XXXX XXXXXXXX XXXX XXXXXXXX ending XXXX and XXXX XXXX XXXX XXXX Account ending XXXX These accounts contain reporting inconsistencies and conflicting dates, yet XXXX  still marked them verified, which is inconsistent with FCRA requirements for a reasonable investigation. 
2. No Method of Verification Provided ( FCRA 611 ( a ) ( 7 ) ) Under federal law, I am entitled to the method of verification, including : Who at the furnisher verified the information What documents were reviewed How verification was conducted When it occurred Evidence used to confirm accuracy XXXX  did not provide any of this information. Instead, they issued a generic statement claiming that the furnisher verified the data. This is not compliant with the FCRA. 
3. Updated Fields Show That the Data Was Inaccurate XXXX XXXX results also show that several fields were updated, such as : Date Updated Remarks Maximum Delinquency Historical Trended Data Rating If information needed updating, that indicates the original reporting was incorrect, meaning the data should not have been verified as accurate. 
Updating inaccurate information while simultaneously claiming it was accurate is contradictory and misleading. 
XXXX. XXXX  Did Not Provide Documentation or Proof At no point did XXXX  or any furnisher provide : A signed contract Account-level documentation Payment history logs Charge-off records Statements Any documentation used to verify the accounts Under FCRA, verification requires documentationnot blind acceptance of the furnishers response. 
5. I Request That CFPB Require : I am asking the CFPB to require Experian to : 1. Conduct a full reinvestigation 2. Provide the Method of Verification for all disputed accounts 3. Provide copies of all documents the furnishers supplied 4. Remove all accounts that can not be fully verified with documentation 5. Ensure compliance with FCRA 611 and stop using automated parroting responses 6. Harm Caused XXXX XXXX failure to verify and correct my report has caused : Denial of credit Score drops Financial harm Inability to qualify for credit-based services Ongoing reporting of inaccurate derogatory information Requested Resolution Require Experian to provide the full Method of Verification Require Experian to provide actual supporting documentation Remove any accounts that can not be verified by documentation Enforce compliance with FCRA dispute requirements I have attached my Dispute Investigation Results for the CFPBs review. 
Thank you for your assistance. 

XXXX  Report XXXX

Company response to consumer: Closed with explanation