Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #4487441
Complaint Overview
Complaint ID: 4487441
Company: Encore Capital Group INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 91423
Date Received: 2021-06-23T12:00:00-05:00
Date Sent to Company: 2021-06-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Ive submitted 2 disputes with XXXX regarding Midland Credit Management reporting inaccurate information on my credit report. I called XXXX on XX/XX/XXXX at XXXX and spoke to a representative. I explained the inaccuracy in reporting. The above-mentioned collection company bought my debt from XXXX on XX/XX/2020 but keeps reporting the payments are 1 month late. The report needs to state 13 months late. After 20 minutes on hold, XXXX hung up on me. I didnt make any payment arrangements with Midland or request any COVID-19 payment relief. Ive been in communication with my debt collectors and have negotiated several settlements during the pandemic. Ive reached out to the collection agency to settle but they havent returned my calls. I want my credit report to reflect the true and correct late history.
Frequently Asked Questions
What is Complaint #4487441 about?
Complaint #4487441 was filed against Encore Capital Group INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2021-06-23T12:00:00-05:00.
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, 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.