OVER THE LAST two years, Michael Enslow, a resident of Waterloo, New York, has been in a back-and-forth with a debt collector. The exchanges, familiar to many Americans, ended up in federal court, claiming that the debt collection company repeatedly refused to remove medical debt he long ago resolved from his credit report. Their error prevented him from getting preapproved for a mortgage.

Such chicanery is par for the course in the debt collection industry, which is known for abusive practices, including bullying consumers into paying debts they do not owe. What’s unusual about Enslow’s case is that he was mistreated by a company that his own representative in Congress, western New York’s Republican Rep. Tom Reed, founded.

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