Consumer complaint received 2025-04-18 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: FL

Complaint narrative:
Formal Complaint Against Credit Furnishers and Reporting Agencies for Willful and Negligent Violations of Federal Law Including False Creditor Identification, Inaccurate Data, and Re-Aging of Accounts To Whom It May Concern, I am filing this formal complaint under penalty of perjury pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Title 15 of the United States Code. The facts presented herein constitute serious, systemic, and willful violations of federal consumer protection law by original creditors, debt collectors, and consumer reporting agencies. 

What Happened Between XXXX and XXXX, I obtained my credit reports from the three major consumer reporting agenciesXXXX XXXX and XXXXand identified numerous accounts that are either materially inaccurate, unverifiable, or reported in violation of federal statute. I submitted disputes directly through each bureaus online system, noting that the debts were inaccurate, unverified, and in some cases being reported by entities falsely posing as original creditors. In response, several furnishers marked the accounts as Dispute resolved subscriber disagrees without providing any validation, documentation, or legal proof of debt ownership. 

Notably : XXXX XXXX XXXX is reporting a {$2600.00} collection account as the original creditor on my credit reports, despite being a third-party collector. 

Midland Credit Management has reported two separate debts ( {$1300.00} and {$830.00} ) also under their own name as original creditor, though the debts were clearly acquired from other creditors. 

XXXX XXXX XXXX and XXXX XXXX XXXX are reporting similarly false origin claims for {$350.00} and {$150.00}, respectively. 

I submitted disputes through the credit bureaus online portals, clearly stating that these accounts were not only invalid but lacked appropriate documentation, ownership trail, and proper dispute markings. Despite my actions : No debt validation was ever produced under 15 U.S.C. 1692g.

No correction or deletion was made by the credit bureaus und

er 15 U.S.C. 1681i. The accounts remain on my credit reports, in many cases with incor
rect opening dates, re-aged default dates, inflated balances, and misstated creditor identities. 

This has resulted in : Reputational harm and damage to my credit profile Denials of credit, increased insurance rates, and financial hardship Repeated violations of my federally protected consumer rights I. Unlawful Furnisher Behavior : False Claims of Original Creditor Status The following third-party debt collectors are illegally reporting themselves as original creditors, in clear violation of 15 U.S.C. 1692e ( 2 ) ( A ) : XXXX XXXX XXXX falsely listed as the " original creditor '' on a {$2600.00} account. 

Midland Credit Management Inc. reporting two separate accounts for {$1300.00} and {$830.00}, falsely claiming originator status. 

XXXX XXXX XXXX misrepresenting a {$350.00} debt as their own originated account. 

XXXX XXXX XXXX reporting a {$150.00} balance as though they originated the debt. 

These entities did not extend credit, originate the debt, or engage in a consumer credit transaction with me. Their designation as " original creditor '' is both false and deceptive, violating FDCPA 807, and materially damaging to my financial reputation. 

II. Charged-Off Accounts with Material Inaccuracies I also request immediate investigation into the following charged-off accounts, which are riddled with errors, misstatements, or unverifiable data in violation of FCRA 623, 611, and 605 : XXXX XXXX  {$1100.00} XXXX XXXX {$360.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Acct XXXX ending XXXX ) {$690.00} XXXXXXXX XXXX XXXX {$1900.00} XXXX {$1300.00} Violations include : Incorrect names, addresses, and personal identifiers Contradictory statuses ( e.g., " transferred/sold '' while still listed as active ) Re-aging of debts by altering " date opened '' or " date of first delinquency '' Omission of proper dispute language per FCRA 623 ( a ) ( 3 ) Continued furnishing of unverifiable data prohibited under FCRA 605 ( a ) These entries remain on my credit reports despite disputes, and the bureaus have either failed to investigate or wrongfully sided with furnishers lacking proof. 

III. Summary of Violated Federal Statutes The conduct described above constitutes multiple and compounding violations of : FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known or reasonably known to be inaccurate FCRA 623 ( a ) ( 3 ) failure to flag accounts as disputed FCRA 611 ( a ) ( 1 ) ( A ) failure to reinvestigate disputed accounts with due diligence FCRA 605 ( a ) inclusion of outdated or unverifiable items FDCPA 807 ( 2 ) ( A ) false representation of creditor identity FDCPA 807 ( 8 ) use of deceptive means to collect a debt FCRA 602 & 603 failure to maintain accuracy and integrity of information in consumer reports IV. Harms Suffered Due to these unlawful actions, I have suffered : Reputational damage Denials of credit Elevated interest rates Emotional and financial distress V. Relief Requested Accordingly, I respectfully request that the Bureau : Initiate a full investigation into the listed accounts and the data furnishers responsible for these violations.

Impose enforcement penalties against the following violators : XXXX XXXX XXXX Midland Credit Management Inc. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Compel the consumer reporting agencies to remove any entry for which legal validation has not been established pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Refer all egregious violators to the appropriate federal or state legal authorities for civil sanctions, fines, or injunctive relief Audit the practices of XXXX, XXXX, and XXXX  for complicity in permitting these continued violations This letter shall serve as notice that I reserve all rights to pursue legal remedy under FCRA 1681n and 1681o, and to seek damages for willful and negligent noncompliance. 

I appreciate your immediate attention to this matter and request written confirmation that this complaint has been received and assigned for investigation. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief