Encore Capital Group Consumer Loan Complaint

Encore Capital Group Consumer loan department,

Installment loan Problems when you are unable to pay Florida

I had taken a loan out with - finance -/-/2005, to do repairs to my house. I monies to repay them came out of my checking account automatic every month. Payments were made for about 2.5 years with no problem. Then my husband lost his job and I could n't afford to pay them. I had contacted them about the problem. However I have n't been able to pay them, so they put it on my credit. They have now sold the information to Midland funding, where they continue to report it on my credit. The problem I have is they have been on my credit for about 7 years already. I have disputed the account because they have stayed on my credit long enough. They never gave me the credit for the payments. They have also tacked on all theses interest and late fees that an $7000.00 loan has turned into an - debt. My dispute is that they have been on my credit for 7 years I thought it is suppose to come off. I contacted my bank and they said they only hold on to the information for only 7 years and they could n't give me my pay history.