Debt collection -- False statements or representation -- Complaint #17951126
Complaint Overview
Complaint ID: 17951126
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: Louisiana
ZIP Code: 71118
Date Received: 2025-11-26T12:00:00-05:00
Date Sent to Company: 2025-11-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern, I am writing to dispute the validity and accuracy of the collection account your company is reporting about me. This letter is provided pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Request for Validation of the Alleged Debt ( FDCPA 809 ) Under FDCPA 809 ( 15 U.S.C. 1692g ), I request that you provide complete validation of this alleged debt, including : A copy of the original signed contract or agreement bearing my signature The name and address of the original creditor A full itemized accounting showing how the amount was calculated Documentation proving you have legal authority to collect this debt Proof that you are licensed to collect in my state ( if applicable ) Until you provide complete validation, you must cease all collection activity, including reporting or verifying this account with credit reporting agencies.
Frequently Asked Questions
What is Complaint #17951126 about?
Complaint #17951126 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-11-26T12:00:00-05:00.
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.