Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #14498229
Complaint Overview
Complaint ID: 14498229
Company: Encore Capital Group INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Oklahoma
ZIP Code: 743XX
Date Received: 2025-07-06T12:00:00-05:00
Date Sent to Company: 2025-07-06T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Midland Credit Management, Thank you for your response. However, your letter fails to meet the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ) and FCRA regarding full validation and accurate reporting of the alleged debt. 1. Validation of Debt : You referenced a validation notice allegedly mailed in 2019. I never received this notice, and under 15 U.S.C. 1692g, you are required to provide detailed validation, not just a summary. Please provide : A full itemized accounting of the debt ( charges, interest, fees, payments, etc. ) A copy of the original signed contract or agreement Chain of custody from the original creditor to Midland Credit, including purchase documentation Proof this account was not previously paid, settled, or discharged 2. Statute of Limitations : You acknowledged the statute of limitations has expired. This confirms that litigation is no longer a valid recourse, and under many state laws, continuing to collect or report on such debt may be considered unfair or deceptive under FDCPA and FCRA. Any attempt to pressure or deceive consumers into payment on time-barred debts may also constitute a violation of state consumer protection laws. 3. Credit Reporting & FCRA Dispute : I dispute the accuracy and completeness of this tradeline as reported to the credit bureaus. You are required to mark this account as disputed by consumer on all future credit bureau reports under FCRA 623 ( a ) ( 3 ). Furthermore, if you can not provide proper documentation within 15 days, I am requesting that you : Cease collection activity, Delete this tradeline from all credit reporting agencies, And provide written confirmation. I reserve all rights under federal and state law, and I do not waive any claims or defenses. This communication does not constitute an acknowledgment of liability. Sincerely, XXXX XXXX
Frequently Asked Questions
What is Complaint #14498229 about?
Complaint #14498229 was filed against Encore Capital Group INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-07-06T12:00:00-05:00.
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 (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.