Credit reporting, credit repair services, or other personal consumer reports -- Improper use of your report -- Complaint #5521195
Complaint Overview
Complaint ID: 5521195
Company: Encore Capital Group INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: California
ZIP Code: 90706
Date Received: 2022-04-30T12:00:00-05:00
Date Sent to Company: 2022-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have sent in proof that Midland credit Management by law should not have my information. I did not authorize them to take my information. I also told them that was not me. They still wont remove it. I have sent in proof that XXXXXXXX XXXX XXXX was not me, told them to send me the paperwork showing my signature on paperwork, also I never authorize XXXXXXXX XXXX XXXXXXXX to use my information. It is against the law. They still wont remove it. # Midland Credit Management and XXXXXXXX XXXX XXXXXXXX both have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Frequently Asked Questions
What is Complaint #5521195 about?
Complaint #5521195 was filed against Encore Capital Group INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2022-04-30T12:00:00-05:00.
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.