Consumer complaint received 2024-01-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
On my XXXX credit report Employer name checking account XXXX XXXX  XXXX XX/XX/XXXX is not my employer. I want that inaccurate info removed per 15 USC 1681. On my XXXX credit report, my Experian credit report, and my XXXX credit report I need the XXXX XXXXXXXX charge off removed since when the debt was bought it became a certificate of indebtedness and is now income and income can't be reported via Irs publication. XXXX5 USC 1681 ( b ) Permissible purposes of consumer reports state : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681 inaccurate reporting on my XXXX credit report has XXXX names that are not mine and need to be removed, XXXX non mailable addresses that need to be removed, and the removal of XXXX of the Universal Lawn Appeal because there is XXXX of them there. On my XXXX credit report there are XXXX names and XXXX non mailable addresses I need removed. My XXXX credit report, my Experian credit report, and my XXXX credit report I would like to opt out of Midland Credit Management XXXX for Ads/Comenity and Credit XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I was never told I had the option to opt out by any of these companies. Under XXXX CFR XXXX ( f ) XXXX right to opt out. A consumer XXXX exercise the right to opt out at any time. 15 USC 6802 : Obligations with respect to disclosures of personal information : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. Under15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are not allowed on a consumer credit report.There are 2 capital ones on my Experian credit report and there should only be the one dated 04/10/13 Im requesting all inquiries promotional, account review, hard and soft inquiries on my Transunion credit report, my Experian credit report, and my Equifax credit report 15 USC 1681 ( b ) Permissible purposes of consumer reports state : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Company response to consumer: Closed with non-monetary relief