Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11003589
Complaint Overview
Complaint ID: 11003589
Company: Encore Capital Group INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Texas
ZIP Code: 77578
Date Received: 2024-12-02T12:00:00-05:00
Date Sent to Company: 2024-12-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint against Midland Credit Management, XXXX, XXXX and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Details of the Issue : Midland Credit Management is reporting two fraudulent collection accounts on my credit file : XXXX. Account XXXX XXXX in the amount of {$2800.00} XXXX. Account XXXX XXXX in the amount of {$2300.00} I have never had any contractual or financial dealings with Midland Credit Management and have not authorized any accounts with them. These accounts are the result of identity theft, and I have previously disputed them as fraudulent with both Midland Credit Management and XXXX and the other two credit reporting agencies.. Despite my disputes : XXXX claims the accounts were verified but has not provided the method of verification, as required under Section 611 ( a ) ( 7 ) of the FCRA. In which Inhave also requested. Midland Credit Management has not provided proper validation of the debts as required by the FDCPA. I which I have also requested. Specific Violations : XXXX. XXXX, XXXX and XXXX Failed to disclose the method of verification for the disputed accounts. Continued to report unverifiable accounts, violating Sectio n 623 ( a ) ( 3 ) of the FCRA. 2. Midland Credit Management : Failed to provide validation of the debt, incl uding proof of the original agreement with my signature. Continues to report these debts without verification, violating the FDCPA and FCRA. If no verification is provided, the accounts must be permanently deleted from my credit report.
Frequently Asked Questions
What is Complaint #11003589 about?
Complaint #11003589 was filed against Encore Capital Group INC. regarding Credit reporting or other personal consumer reports specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2024-12-02T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Encore Capital Group INC.?
Yes, visit the Encore Capital Group INC. company profile at readthecomplaint.com/company/encore-capital-group-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.