Debt collection -- False statements or representation -- Complaint #17892930
Complaint Overview
Complaint ID: 17892930
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Ohio
ZIP Code: 454XX
Date Received: 2025-10-23T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Midland Credit Management , Inc . XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Request for Debt Validation Account Number : [ Insert if listed on their notice or credit report ] Amount Alleged : {$2800.00} Reported Opened : XX/XX/XXXX To Whom It May Concern, I am writing in response to a collection account reported by your company on my credit report and/or any correspondence I may have received regarding this alleged debt. This letter is a formal request for debt validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge or accept responsibility for this debt. Therefore, I am requesting that you provide proper validation, including but not limited to : 1. The name and address of the original creditor ; 2. The original account number and itemized accounting of the alleged balance ; 3. A copy of the signed agreement or contract showing I am legally obligated to pay ; 4. Documentation showing that your company has the legal right to collect this debt ; 5. The date of last payment on the original account ; 6. Copies of any judgments, charge-off statements, or assignments of ownership. Until this requested validation is provided, please cease all collection activity, including reporting or verifying this account with any credit reporting agencies. Reporting unverifiable or inaccurate information is a violation of the Fair Credit Reporting Act ( FCRA ) and the FDCPA. If you can not provide adequate verification, I request that you immediately delete this account from all credit bureaus and cease any further communication regarding it. Please send your response to the address listed above within 30 days of receipt of this letter. Sincerely, XXXX XXXX ( Sign above your printed name if mailing )
Frequently Asked Questions
What is Complaint #17892930 about?
Complaint #17892930 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-10-23T12:00:00-05:00.
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.