Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #16282008
Complaint Overview
Complaint ID: 16282008
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: Information belongs to someone else
State: Pennsylvania
ZIP Code: 19115
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2025-09-30T12:00:00-05:00
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 , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Debt Validation Request under FDCPA 809 MCM Account Number : XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the validity of the alleged debt referenced above, which you claim I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request full validation of this debt. Until you provide proper validation, you must cease all collection activities, including phone calls, letters, and reporting to any credit bureau. Specifically, I request the following : XXXX. Proof of the debt a copy of the original signed agreement or contract with XXXX XXXX, showing that I am legally obligated. XXXX. Itemized accounting of the alleged balance ( {$10000.00} ), including principal, interest, and fees. XXXX. Proof of ownership documentation showing legal transfer or assignment of this debt from the original creditor ( XXXX XXXX ) to Midland Credit Management , Inc . XXXX. Verification of statute of limitations on this alleged debt in my state. XXXX The name, address, and license number of any attorney you claim may be involved in this matter.
Frequently Asked Questions
What is Complaint #16282008 about?
Complaint #16282008 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 2025-09-30T12:00:00-05:00.
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.