Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request a reinvestigation of the Midland account ( account number XXXX ) listed on my XXXX credit report. I have serious concerns regarding the completeness, accuracy, and potential violation of my privacy in connection with this entry. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( 7 ), which mandates that consumer reporting agencies investigate disputed items to ensure accuracy and completeness. Additionally, I demand that you provide detailed notice in compliance with 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ) should there be any decision not to amend or remove the disputed information after reinvestigation.

Legal Grounds for Dispute : 1. 15 U.S.C. 1681i ( 7 ) : Right to Reinvestigation for Accuracy and Completeness This provision requires consumer reporting agencies to reinvestigate disputes, affirming that every entry on a consumer report must meet strict standards of accuracy and completeness. This Midland account entry raises significant concerns about its accuracy and completeness, and I am requesting a reinvestigation to verify that it meets all statutory requirements. Failure to accurately report or verify this information constitutes a violation of my rights and could lead to further action, as established in XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ). This case underscores that credit reporting agencies have a duty to ensure the integrity of the information on a consumers credit report. 

2. Privacy Concerns and Compliance with 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ) The Midland account may also be in violation of my privacy rights if the information provided does not adhere to strict FCRA standards for lawful collection and reporting. In instances where XXXX, after reinvestigation, determines not to amend or delete the disputed information, you are obligated to issue a formal notice to me as outlined in 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This notice must provide explicit reasoning for the decision and must be presented clearly and understandably. The XXXX XXXX XXXX, XXXX  ( XXXX XXXX XXXX, XXXX XXXX. XXXX ) decision further emphasizes that consumer reporting agencies must make reasonable efforts to ensure the accuracy of disputed information and communicate effectively with consumers regarding the findings. 

Specific Concerns with Midland Account ( XXXX ) : Accuracy of Information : There is reason to believe that the information associated with this account may be incomplete, inaccurate, or unverifiable. As such, I am requesting that XXXX confirm the legitimacy of all details tied to this account. Should any information be found unverifiable, it must be corrected or removed as required by the FCRA. Failure to conduct a thorough reinvestigation to ensure compliance with FCRA standards could result in additional legal claims, as underscored in XXXX v. XXXX, XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), which affirmed that consumers are entitled to fully accurate credit reports. 

Completeness of Reporting : Under XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX. XXXX ), credit reporting agencies are expected to ensure completeness as well as accuracy in reporting. The disputed Midland account raises questions about whether XXXX has included all relevant information or if details have been inaccurately presented in a way that misrepresents my creditworthiness. 

Privacy Violations : Reporting of incomplete or inaccurate information could lead to a privacy violation if the information has not been properly validated. Under XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ), the court ruled that consumer reporting agencies must protect consumer data, ensuring it meets legal standards for accuracy and legitimacy. XXXX failure to maintain these standards with the disputed Midland entry could indicate a potential violation of my privacy rights. 

Required Actions by XXXX : Conduct a Detailed Reinvestigation I demand that XXXX conduct a detailed and thorough reinvestigation into all aspects of the Midland account ( XXXX ), confirming its accuracy, completeness, and compliance with FCRA standards. 

Provide Full Verification XXXX must supply me with documentation verifying the Midland accounts accuracy, including the information source and the methods used to validate its completeness. Any unverifiable or incomplete information must be promptly removed from my credit report. 

Issue a Notice in Compliance with 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ) Should XXXX decide not to amend or delete the disputed information after reinvestigation, I demand a formal written notice that complies with 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ), including specific reasons for the decision and a summary of the reinvestigation process. 

Failure to comply with these requests will leave me no choice but to consider further legal recourse, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant agencies. 

I expect written confirmation of XXXX receipt of this dispute letter and details of the actions taken within 30 days of this notice. Please consider this letter as formal evidence of my dispute should further legal action be necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief