Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #11197073
Complaint Overview
Complaint ID: 11197073
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: Illinois
ZIP Code: 60803
Date Received: 2024-12-17T12:00:00-05:00
Date Sent to Company: 2024-12-17T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/year> MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX XXXX XXXX, California XXXX Re : Cease and Desist from Reporting to Credit Bureaus and All Communication Dear MIDLAND CREDIT MANAGEMENT Representative : I am writing to demand that MIDLAND CREDIT MANAGEMENT, immediately cease and desist from reporting any information related to the alleged debt XXXX to any credit reporting agency. I also demand that you cease and desist from any further communication with me, except as required by law. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), reporting information to credit bureaus constitutes communication. As such, I demand that you immediately remove any existing reports and refrain from making any future reports. Furthermore, I demand that you cease and desist from any further communication with me, except as required by law. This includes, but is not limited to, phone calls, letters, emails, and text messages. Please confirm in writing within 14 days of receipt of this letter that you have ceased reporting to credit bureaus and will cease all further communication with me. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #11197073 about?
Complaint #11197073 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 2024-12-17T12:00:00-05:00.
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.