Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: WA

Complaint narrative:
I am filing a complaint against Midland Credit Management for multiple violations of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I am also including XXXX XXXX XXXX XXXX for failing to properly investigate and correct inaccurate and unverified information after my dispute. Midland management is currently seeking to collect {$1600.00} on a an alleged XXXX XXXX XXXX  account. On XX/XX/XXXX, Midland Credit Management accessed my credit report through a inquiry on XXXX According to their own documentation, the alleged account was not charged off until XX/XX/XXXX and was not purchased until XX/XX/XXXX. This means Midland accessed my credit file nearly four months before they claim to have acquired the account, which violates the Fair Credit Reporting Act section 1681b ( f ) because they had no permissible purpose. On XX/XX/XXXX, the same day they claim to have purchased the account, Midland reported it to all three credit bureaus. This indicates that the debt was reported without time to verify its accuracy or confirm ownership. This violates section 1681s-2 ( a ) of the Fair Credit Reporting Act. Midland never sent me a validation notice within five days of initial contact as required under section 1692g ( a ) of the Fair Debt Collection Practices Act. When I disputed the account in XX/XX/XXXX, they responded with a blank transaction table that do not prove ownership or validate the debt. They failed to provide a signed agreement or any account-level documentation. This violates both section 1692g ( b ) of the Fair Debt Collection Practices Act and section 1681s-2 ( b ) of the Fair Credit Reporting Act. Midland is also labeled as the original creditor on my XXXX XXXX report, which is false and misleading. This misrepresentation violates section 1692e ( 2 ) ( A ) of the Fair Debt Collection Practices Act and section 1681s-2 ( a ) of the Fair Credit Reporting Act. Midlands conduct is deceptive and unfair. They used boilerplate responses with no documentation to make it appear that they were complying with the law. This violates section 1692e ( 10 ) of the Fair Debt Collection Practices Act. Their ongoing reporting and collection efforts without proper validation also constitute unfair or unconscionable collection activity in violation of section 1692f. I disputed this tradeline in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX credit bureaus also failed in their obligations. Despite my dispute, XXXX XXXX XXXX XXXX  verified the account without correcting any of the inaccurate or unverifiable information. This violates section 1681i ( a ) of the Fair Credit Reporting Act which requires a reasonable investigation and section 1681e ( b ) which requires the maintenance of accurate credit file information This account and inquiry have severely damaged my credit and caused financial harm. The false and unverified information has blocked access to housing, credit, and other essential opportunities. I do not acknowledge or admit to owing any debt to Midland Credit Management. I dispute the accuracy and legitimacy of the reporting and inquiry in full.

Company response to consumer: Closed with non-monetary relief