Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5199467
Complaint Overview
Complaint ID: 5199467
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 information incorrect
State: Pennsylvania
ZIP Code: 184XX
Date Received: 2022-02-08T12:00:00-05:00
Date Sent to Company: 2022-02-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have had an account with MIdland Credit Management ever since they bought my account in 2017. First I was told they would not put it on my credit report if I made payments. I have been making payments ever since and have not missed a payment yet they still reported it. I know that collections stay on reports approximately 7 years. Now all of a sudden they changed my account number and instead of changing my report to reflect it is a change and giving me credit for my payments ( which they lied and said they werent going to report anyway ) they deleted my account then added a new collection and say I have paid nothing. This not only lengthens the time it will be on my report but hits my credit unfairly as it looks like I just got this collection and that i have done nothing to pay on it. I disputed it but no response- went online and they do not reflect my payments on this account even though my emails and checking accounts show I paid. I tried to chat on their site but they will not because of the dispute.
Frequently Asked Questions
What is Complaint #5199467 about?
Complaint #5199467 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 2022-02-08T12:00:00-05:00.
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.