Debt collection -- Communication tactics -- Complaint #12158269
Complaint Overview
Complaint ID: 12158269
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Communication tactics
Sub-Issue: You told them to stop contacting you, but they keep trying
State: Illinois
ZIP Code: 60625
Date Received: 2025-02-20T12:00:00-05:00
Date Sent to Company: 2025-04-01T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Dispute of Debt Validation Request I am writing to formally dispute the validity of the debt and to request validation of this debt as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g, and the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681. According to 15 U.S. Code 1692g ( a ), I have the right to request a validation of the debt you claim I owe. Please provide me with the following information : 1. The amount of the debt. 2. The name of the creditor to whom the debt is owed. 3. A detailed statement of the account, including any fees or interest charges. 4. Documentation that verifies that I am legally obligated to pay this debt. 5. Proof that you are authorized to collect this debt in my state. Additionally, under 15 U.S. Code 1681, I am requesting that you provide me with the necessary information regarding how this debt is impacting my credit report. Please include details on the reporting agency that provided you with my credit information and the dates of any negative reporting. Please send your response to my address listed above within 30 days of receipt of this letter. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12158269 about?
Complaint #12158269 was filed against Encore Capital Group INC. regarding Debt collection specifically about Communication tactics. It was received by the CFPB on 2025-02-20T12:00:00-05:00.
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 (Debt collection) 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.