Date Received: 2018-11-01T00:00:00.000
Product: Credit card debt
Issue: False statements or representation
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I reviewed my credit report and found that there was a credit card collection on my account. My information was also updated to my current mailing address. I mailed at letter XX/XX/XXXX to dispute this collection. In the letter I demanded to see verifiable proof on the account ” XXXX XXXX XXXX : Account # XXXX ”. XXXX then sent me a letter not verifying said information. I then sent a second letter XX/XX/XXXX. They said it was ” verified correctly ” but did not provide me any original documentation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it under Section 611 ( 5 ) ( A ) of the FCRA. All 3 bureaus nor the creditor have not provided this documentation and this should be promptly deleted.
There also was a dispute sent XX/XX/XXXX about multiple inquiries and they and the creditors have failed prove that I initiated such inquiries.
*NOTE* Please see attached for all the documents and letters that were sent to XXXX. Please advise. For the collection account ” XXXX XXXX XXXX : Account # XXXX ”, this applied to XXXX, XXXX, XXXX, and the creditor. Those letters are also attached.
Company: ENCORE CAPITAL GROUP INC.
State/Zip: GA 300XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3062808
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