Encore Capital Group Debt Collection Complaint

Encore Capital Group Debt collection department,

Credit card Cont'd attempts collect debt not owed Debt was paid Washington

While not attempting to collect a paid debt, the collection agency continues to update my report with inaccurate information showing delinquencies after the payment date. I have been going round and round with Midland Funding and -/- with inaccuracies and errors on my credit report. I have tried phone calls, emails, faxes, direct disputes with the credit bureaus, and a - complaint. After numerous attempts with Midland and - directly, I filed a - complaint in - -, information received from Midland on -/-/-, rebuttal sent back on -/-/- and a final response on -/-/-. I received comments from - on -/-/-, sent a rebuttal on -/-/-, and then a final response on -/-/-. - advised me to contact Midland, and Midland advised they were sending an update and to contact the credit bureaus directly. I contacted the credit bureaus and they advised to submit disputes, which I did and that 's make the situation worse. Midland is stating that they opened the account in - -, but - sent me a letter stating that they did not sell the account to Midland until - -. Additionally, Midland is reporting differing dates of delinquency, etc. My husband is a -


tri-merge '' is not coming through clean. We have - bureau reporting - as an OPEN creditor ( not collection agency ) that shows updates each month. This is a Paid in Full '' account that was closed in - -, yet it shows pays as agreed '' each month now. And even after these numerous updates, I now have a - - update on - bureau that shows up as a Collection activity for - - ... again, on an account that was closed last year. This was again verified as accurate '' today, - -, - and shows - days late for - -. ( see attached ) As these are both paid accounts, I am requesting your help in just having the account/tradeline suppressed or deleted in entirety immediately. I have tried to be patient and work through every option, but it 's getting worse and we 're at jeopardy of not clearing underwriting because of all this new activity. It 's causing fluctuations in our credit score and the underwriters are n't sure what the accurate '' picture is.