Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5900955

Complaint Overview

Complaint ID: 5900955

Company: Encore Capital Group INC.

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Account status incorrect

State: Ohio

ZIP Code: 43123

Date Received: 2022-08-20T12:00:00-05:00

Date Sent to Company: 2022-08-20T12:00:00-05:00

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

My complaint is against Midland Credit Management , Inc . The creditor Midland Credit Management forwarded the debt collection to law firm XXXX XXXX XXXX for legal action. The case was to be filed with XXXX XXXX municipal court on or around XXXX XXXX.for the amount of {$12000.00} I contacted XXXX XXXX XXXX on or around XX/XX/2022 And settled the account with a one time payment offer of {$10000.00}. The account was closed and the case through XXXX XXXX Municipal court was dismissed XX/XX/2022. I was told at that point to wait approximately 2 weeks for the activity to reflect on my credit report as paid.the communication would be sent to Midland Credit Management from XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX XXXX clerk of courts sent me notification via U.S mail stating case was dismissed. XXXX XXXX XXXX sent additional receipts for payment, settlement and account closed. I have monitored my credit since XXXX this account is still showing negative. I have contacted XXXX XXXX XXXX 4 times requesting help on how to remove this from my credit they informed me that they Reported and informed mid land credit management that The account had been paid and there is nothing that they could do at this point. and that Midland management Was responsible for reporting the account not XXXX XXXX XXXX. I have called Midland credit management weekly since XXXX. And have Escalated the matter to their customer solutions department. They continue to tell me it will be a 7 to 10 days and the account will reflect on my credit. I have tried 2 times to dispute the credit reporting through XXXX XXXX. Midland credit management reported the balance being reported as accurate. I have all the documentation needed stating this account has been satisfied. I offered to send it to midland credit management they stated notarized documentation from the clerk of courts and receipts from XXXX XXXX XXXX is an unacceptable form of proof. I continue to call Midland credit management weekly and have the the same conversation. this account has been paid please Report it accurately on my credit report. they continue to tell me it will be removed/Reported accurately within 7 to 10 business days. It has not been. This negative reporting on my credit report is impacting my credit score tremendously and is keeping me from being preapproved for a mortgage and a loan to send my daughter to college.

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