Consumer complaint received 2025-01-10 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX XXXX, PA XXXX Dear XXXX, To Whom It May Concern, I neither affirm nor deny this purported debt. You claim I owe your company Midland Credit Management-XXXX, {$750.00}, This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/XXXX. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g Sec 809 ( b ), that your claim that I owe you money is disputed, and validation is requested.

Under the FDCPA, I have the right to request validation of the debt you say I owe. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for " verification '' via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section of the FDCPA.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes, including but not limited to : Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Truth in Lending Act ( TILA ), 15 U.S.C. 1601 Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 41 Debt validation includes the following : Who was the original creditor on this account, and what was the account number?

What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
What was the original date of delinquency for this account? 
Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
What did you pay for this account, and how did you calculate the current amount owed?

Additionally, under 15 U.S.C. 1692e ( 8 ) of the FDCPA, you are prohibited from reporting false or inaccurate information about this debt to the credit reporting agencies. The FCRA further mandates that while this item is being investigated, you must indicate to the bureau that the account is under dispute and cease reporting inaccurate information until full validation has been completed.

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
For your reference, I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 
I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report. 
Please verify or remove immediately the following accounts : Midland Credit Management- {$750.00} XXXX I never had a contract with this debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXXn XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. I am writing to address a concern regarding the handling of my personal information under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). This section explicitly states that information about transactions or experiences between a consumer and the entity collecting such information is excluded from the definition of a " consumer report. '' As such, I request clarification regarding the following : 1. Whether any information relating to my transactions or experiences with your organization has been included in a consumer report.

2. If such information has been shared, the purpose for which it was shared and the entity to which it was provided.

3. A clear explanation of how your organization complies with the exclusion described under 1681a ( 2 ) ( A ) ( i ).

Please confirm that any transaction or experience data specific to my account with your organization has been handled in compliance with this provision of the FCRA. If any such information has been improperly classified or shared as part of a consumer report, I request immediate corrective action, including the cessation of any further improper reporting and the notification of relevant parties.

I would appreciate your response to this request within 30 days of receiving this letter, as required under the FCRA. If additional information is required from me to process this request, please do not hesitate to contact me.

Thank you for your prompt attention to this matter. I trust that your organization will act in full compliance with federal law and ensure the protection of my rights as a consumer. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation