Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
As per FCRA ; FDCPA, I, XXXX XXXX being the protected consumer, I am optting-out of any and all authorization ; I the consumer may have given you written unwritten, verbal and non verbal to the following parties XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland credit managementXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Union under 5 USC ( Privacy Act 1974 ), 15 USC 1681 ( b ) permissible purpose as well as 15 USC 6801 6802-6803-6804-6805 ( Obligations and disclosure of non public private information ). 16 CFRA 313.1-313.7, CFRA 433.2 XXXX XXXX furnished inaccurate information as well as violated my non-public private personal information Also they have deemed And or alleged A charge of On my credit report Which is a certificate of indebtedness which under IRS classifications is income and that can not be reported on such a credit report ; which said being a violation of 15 USC 1681 b and 16 CFR 313.1 - Purpose and scope. 
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.

The above previous mention bureaus Banks and or companies have violated me under federally protected rights 15 USC 1681 5 USC also known as the Privacy Act of 1974,16 C FRA 313.1 - 313.7 :16 CCFRA 433.1-433.2 ; I unknowingly and or knowingly never consented for any of those companies to furnish or report my non- public personal private information nor did I think they would report things inaccurately causing ruin to my credit score and history again, it was illegal for them to report any pay history or furnish such private non public information. My identity has been compromised and is in error. I seek for the inaccurate reports to be corrected as to reflect PAID AS AGREED as they should and for errors reflecting my credit score to recieve correction in conjunction! The pain and suffering associated with the reporting and furnishing of my non-public private information also the furnishing of my payment history and the use of my personal Social Security identification number have left emotional suffering and loss which one may and has had a hard time coming to grip with.

As to conclude I seek correction as it pretends to the fair reporting of my credit history!

Company response to consumer: Closed with explanation