Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #4343239
Complaint Overview
Complaint ID: 4343239
Company: Encore Capital Group INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: South Carolina
ZIP Code: 29210
Date Received: 2021-05-02T12:00:00-05:00
Date Sent to Company: 2021-05-02T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a summons from Midland credit management from an old credit card debt. I requested validation of the debt, as I never received any information from midland credit. I saw in the information received that all of their communication was going to an incorrect address. I am uncertain how this address was obtained as it was my mothers address and I had not lived there in over 15 years. I was going to go through the lawsuit, and filed a counterclaim for this, but I decided to just drop it and requested a settlement with the law firm handling the matter in my state. I paid the agreed upon amount and the matter was settled and dismissed with prejudice. I still have a balance showing on my credit report. There was no update on the information saying it was settled for a lower amount. Also, their consumer bill of rights states that they will deleted the item within 30days of a payment i. Full or an agreed upon amount. Neither of these things happened. Below is a copy of the request I sent for this to be updated. I have also tried disputing the incorrect information on my credit report, but it is not changed. I have redacted personal information. This is an automated response to advise you that your submission has been received. This message has been sent by a notification system, please do not reply. We have received your inquiry with the following information : Type : Request for Change in Account Status Description : Hello on XX/XX/2021 I entered a settlement agreement with the law firm handling this account for your company. I paid {$1100.00}, this was deducted from the balance a few days later. However, my account status never changed. It should be listed as settled for a lower amount and then according to your consumer statement deleted from my credit profile in 30 days from payment. Please make the necessary updates to my account immediately. According to the form that you filled out, you have authorized MCM to send you emails. Thank you, Midland Credit Management This communication is from a debt collector. This automated response is the only thing I have received. I have yet to get a letter, email, or even a phone call regarding this matter. I feel that I am upholding every part of the agreement, but they are not.
Frequently Asked Questions
What is Complaint #4343239 about?
Complaint #4343239 was filed against Encore Capital Group INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2021-05-02T12:00:00-05:00.
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 (Credit reporting, credit repair services, 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.