Debt collection -- Attempts to collect debt not owed -- Complaint #19573011
Complaint Overview
Complaint ID: 19573011
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New York
ZIP Code: 11233
Date Received: 2026-02-17T12:00:00-05:00
Date Sent to Company: 2026-02-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This company is reporting a collection account on my credit report that I am requesting full validation for. I have not received sufficient documentation proving the original creditor, the full payment history, the date of first delinquency, and proof that this company has the legal right to collect. If they can not provide complete validation under the Fair Debt Collection Practices Act and Fair Credit Reporting Act, this account must be removed from all credit reporting agencies immediately.
Frequently Asked Questions
What is Complaint #19573011 about?
Complaint #19573011 was filed against Encore Capital Group INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2026-02-17T12:00:00-05:00.
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.