Debt collection -- Attempts to collect debt not owed -- Complaint #4527789
Complaint Overview
Complaint ID: 4527789
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: New York
ZIP Code: 11205
Date Received: 2021-07-08T12:00:00-05:00
Date Sent to Company: 2021-07-08T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This communication is in reference to the lack of response after the Affidavit of Truth Ive sent in order to address the violations of my rights MIDLAND CREDIT MANAGEMENT in violation of FDCPA and FCRA for the following : Failure to respond within 30 days of receiving of dispute letter ( 15 use 1692g ) ; Failure to report the account in dispute with the three major credit bureaus following the receipt of the dispute letter ; Verification of the debt with the three major credit bureaus following receipt of the dispute letter and prior to validation or resolution of the dispute with me. Per federal law, creditors are required to respond within 30 days to a dispute. Per federal law, creditors are not allowed to verify an alleged debt with a third party prior to validation or resolution of the dispute with the consumer/disputing party. Finally, per federal law, if an account is under dispute or investigation, the creditor is required to document such status on the account with each of the major credit reporting agencies. MIDLAND CREDIT MANAGEMENT also doesn't have the right to furnish any information on my consumer credit report ( 15 usc 1681b ( 2 ) ) There are XXXX account being reported on my consumer credit report for this alleged debt. Attached are the documents that were sent out on XX/XX/2021 via certified mail
Frequently Asked Questions
What is Complaint #4527789 about?
Complaint #4527789 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 2021-07-08T12:00:00-05:00.
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.