Debt collection -- False statements or representation -- Complaint #18145923
Complaint Overview
Complaint ID: 18145923
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: Massachusetts
ZIP Code: 02026
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing a complaint against Midland Credit Management for inaccurate reporting and failure to validate a disputed debt. They reported a collection account ( Account No. XXXX ) with an incorrect past due status and an inaccurate opened date of XX/XX/year>. Collection accounts do not have past-due amounts, and the date appears re-aged. I disputed the account, but they continued reporting without validation. I am requesting CFPB investigation and deletion of the account if it can not be verified.
Frequently Asked Questions
What is Complaint #18145923 about?
Complaint #18145923 was filed against Encore Capital Group INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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 (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.