Credit reporting or other personal consumer reports — ENCORE CAPITAL GROUP INC. (GA)

Public record information inaccurate. I submitted formal Section 609 dispute letters to XXXX XXXX XXXX XXXX on XX/XX/year>, regarding several inaccurate, unverifiable, or outdated accounts appearing on my credit reports. These letters requested full verification of the accounts through original signed contracts and legal documentation, as required by the Fair Credit Reporting Act ( FCRA ). Despite allowing the full 30-day response window, none of the bureaus have provided legally required validation. As of XX/XX/year>, the following accounts remain on my reports without verified documentation : XXXX Late Payments ( Account Paid in Full ) XXXX XXXX Late Payments ( Account Still Open ) US Department of Education Late Payments ( Closed Account ) XXXX Loan Servicing Late Payments ( Closed