Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #18753472
Complaint Overview
Complaint ID: 18753472
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: Account information incorrect
State: Nevada
ZIP Code: 890XX
Date Received: 2025-11-20T12:00:00-05:00
Date Sent to Company: 2025-11-20T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am submitting a complaint regarding two collection accounts reported by Midland Credit Management on my credit reports. Accounts in question : 1. Original Creditor : XXXX XXXX Debt Buyer : Midland Credit Management Date Opened : XX/XX/XXXX Balance : {$2300.00} Status Updated : XX/XX/XXXX XXXX. Original Creditor : XXXX XXXX XXXX XXXX. Debt Buyer : Midland Credit Management Date Opened : XX/XX/XXXX Balance : {$800.00} Status Updated : XX/XX/XXXX Discrepancies and issues : 1. Monthly reporting of unchanged balances : Both accounts were updated on XX/XX/XXXX, showing the same balances as previously reported. Under the Fair Credit Reporting Act ( FCRA ), collection accounts should only be updated if there is a legitimate change, such as a payment, settlement, or status change. Re-reporting the same balances monthly is misleading and can artificially harm my credit score. 2. Verification issues : I have already filed disputes with the credit bureaus regarding these accounts. Despite disputes, Midland Credit Management continues to report the accounts, and I have not received proper verification. 3. Discrepancy across bureaus : The {$2300.00} XXXX XXXX account appears on XXXX and XXXX but not on XXXX. I am not requesting it be added ; I am noting this difference as part of the context for accuracy.
Frequently Asked Questions
What is Complaint #18753472 about?
Complaint #18753472 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 2025-11-20T12:00:00-05:00.
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 (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.