Debt collection -- False statements or representation -- Complaint #12186008
Complaint Overview
Complaint ID: 12186008
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Louisiana
ZIP Code: 707XX
Date Received: 2025-02-22T12:00:00-05:00
Date Sent to Company: 2025-02-22T12:00:00-05:00
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Debt Validation and FCRA Compliance ( Account No. XXXX ) Dear To Whom It May Concern, I am writing to formally dispute the validity of the collection account referenced above. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I request that you provide proper validation and documentation of this debt. Specifically, please provide the following within 15 days of your receipt of this letter : The complete account history, including the original creditors name and contact information. A copy of the original contract or documentation evidencing my obligation for this debt. A complete chain of assignment or transfer, if the debt has been sold or transferred. Proof of your legal authorization to collect this debt. Any judgment or legal documents related to this account, if applicable. Until you provide the requested validation, please cease all collection activities, including reporting this account to any credit reporting agencies. Should you be unable to validate the debt within the allotted time, I request that you immediately remove all references to this account from my credit files and notify the appropriate credit bureaus accordingly. Please direct all future correspondence regarding this matter to my address listed above. I have sent this letter via certified mail, return receipt requested, to ensure proof of delivery. Thank you for your prompt attention to this matter. I look forward to receiving the requested documentation. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #12186008 about?
Complaint #12186008 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-02-22T12:00:00-05:00.
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.