Debt collection -- Written notification about debt -- Complaint #17969576
Complaint Overview
Complaint ID: 17969576
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive enough information to verify debt
State: Ohio
ZIP Code: 43081
Date Received: 2025-11-28T12:00:00-05:00
Date Sent to Company: 2025-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting this complaint to dispute the reporting of an account associated with XXXXXXXX XXXX XXXX XXXX XXXX ) that is currently reported by Midland. This is my fourth dispute regarding this account with both your company and all three major credit reporting agencies. The account is reported inconsistently across credit bureaus and contradicts information from the original creditor, making it inaccurate, incomplete, and unverifiable. Reporting Issues Identified : Conflicting Balances and Account Status XXXX XXXX : {$1400.00} Open Collection/Chargeoff XXXX XXXX {$1400.00} Closed Collection/Chargeoff XXXX XXXX {$1400.00} Open 120 Days Late / Factoring Company Discrepant Dates : Date Opened, Date Reported, and Date of Last Activity differ XXXX XXXX, XXXX, and XXXX. XXXX shows a Date Reported in the future ( XX/XX/year> ), which is inaccurate. Conflicting Creditor Types and Duplicate Reporting : XXXX and XXXX identify Midland as a collection agency, while XXXX lists it as a factoring company. XXXX XXXX reports what appears to be a second entry ( MIDLANDCRE ) with differing dates, status, and classification. Chain-of-Title and Assignment Issues : XXXX reports a charge-off and sale/transfer of the same account, yet the balances and high balances differ between XXXX and Midland. Midland has not provided documentation proving that the debt was legally assigned, transferred, or sold. Because the reporting is inconsistent across both the original creditor and the credit reporting agencies, the account can not be verified or considered accurate. These discrepancies violate FCRA 623 ( a ) and 1681e ( b ), which require furnishers to provide complete and accurate information.
Frequently Asked Questions
What is Complaint #17969576 about?
Complaint #17969576 was filed against Encore Capital Group INC. regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-28T12:00:00-05:00.
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.