Debt collection -- Written notification about debt -- Complaint #12950204
Complaint Overview
Complaint ID: 12950204
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: New York
ZIP Code: 132XX
Date Received: 2025-04-11T12:00:00-05:00
Date Sent to Company: 2025-04-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally dispute inaccurate reporting on my credit report by MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information provided is inconsistent and unverified, adversely affecting my credit score. I request an immediate investigation and correction of the following discrepancies : 1. Inconsistent Account Dates : The open and closed dates for my account are reported differently across XXXX, XXXX, and XXXX. These discrepancies raise concerns about the accuracy of the overall account data. 2. Charge-Off Reporting Issues : Although the account is noted as charged off, a balance is still being reported. This inconsistency suggests that the accounts status has not been accurately updated. 3. Missing 1099-C Form : I have not received the required Form 1099-C, which should have been issued in connection with the charge-off. The absence of this documentation further questions the validity of the reported charge-off. 4. Incomplete Payment History : The payment history for this account has multiple months with no available information, making it impossible to verify whether payments were made as agreed. This missing data is negatively impacting my credit score. 5. Request for Deletion : Given the inability to verify the payment history, along with the inconsistent dates and erroneous balance reporting, I am requesting that this account be deleted from my credit reports if the discrepancies can not be resolved satisfactorily.
Frequently Asked Questions
What is Complaint #12950204 about?
Complaint #12950204 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-04-11T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with explanation". 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.