Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13833936
Complaint Overview
Complaint ID: 13833936
Company: Encore Capital Group INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Pennsylvania
ZIP Code: 190XX
Date Received: 2025-06-01T12:00:00-05:00
Date Sent to Company: 2025-06-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Midland Credit Management is reporting a false and damaging collection account for {$810.00}, allegedly purchased from XXXX XXXX XXXX ( branded as XXXX ). This account contains multiple factual inaccuracies, has been improperly verified, and has caused severe, measurable harm. Specific tradeline inaccuracies include : Amount : The {$810.00} balance is inflated and does not match final statements or prior reporting by XXXX. Date of Status/Transfer : Midland claims they acquired the debt in XX/XX/XXXX. However, XXXX continued reporting the account as open and active as of XX/XX/XXXX on my XXXX report, causing an overlap and dual reporting of the same debt by two furnishers. Original Creditor : Midland does not identify XXXX anywhere in the tradeline, violating transparency requirements under the Fair Credit Reporting Act and XXXX XXXX formatting standards. Charge-off Reason & Reporting Codes : The entry lacks any explanation, narrative code, or legitimate reason for collection status. Open/Close Dates : These are inconsistent between Midland and the original creditor, creating ambiguity around account history and causing data suppression errors. I never received notice of any sale or transfer, and Midland has never validated the debt, produced assignment documentation, or shown any legal right to report or collect it. I disputed this account with XXXX XXXX, and XXXX. Each credit bureau returned a verified outcome despite receiving detailed supporting documentation proving the account was invalid and unverified. These reinvestigations were automated, inadequate, and in clear violation of FCRA 611 ( a ) and 623 ( b ). As a direct and proximate result of this false tradeline : I have been denied housing on multiple occasions due to failed credit checks. I was rejected for a vehicle loan despite a strong income and otherwise qualifying credit. I lost a conditional job offer after a background check revealed this false collection. Ive experienced worsened insurance rates and premium increases. I have endured emotional distress, XXXX, and disruption to my familys financial stability. This is not a routine errorit is systemic, willful misconduct and gross negligence. Midland is engaged in deceptive and unlawful furnishing. The credit bureaus are complicit in perpetuating false data by ignoring factual corrections. I believe this situation justifies regulatory enforcement and civil litigation.
Frequently Asked Questions
What is Complaint #13833936 about?
Complaint #13833936 was filed against Encore Capital Group INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-06-01T12:00:00-05:00.
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 (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.