Debt collection -- Attempts to collect debt not owed -- Complaint #13009217
Complaint Overview
Complaint ID: 13009217
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Louisiana
ZIP Code: 70726
Date Received: 2025-04-15T12:00:00-05:00
Date Sent to Company: 2025-06-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I noticed an account on my credit report that I have no knowledge of. Upon further review, I believe that my personal information may have been exposed in a data breach. Over time, I have discovered multiple instances in which apartments, loans, and various other items were fraudulently opened in my name without my consent. The unauthorized use of my personal information is causing severe financial and personal hardship, and it is negatively affecting my livelihood tremendously. I am urgently seeking a resolution to have these fraudulent items removed from my records and to prevent any further misuse of my identity.
Frequently Asked Questions
What is Complaint #13009217 about?
Complaint #13009217 was filed against Encore Capital Group INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-04-15T12:00:00-05:00.
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.