Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5563879
Complaint Overview
Complaint ID: 5563879
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: Information belongs to someone else
State: Colorado
ZIP Code: 80013
Date Received: 2022-05-15T12:00:00-05:00
Date Sent to Company: 2022-05-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Discovered unknown address in XXXX, GA listed ( from sometimes in XXXX XXXX to sometimes in XX/XX/XXXX ) on my credit report ( reported by Midland credit management/MCM ) when applied for a credit card at XXXX XXXX XXXX XX/XX/XXXX. Discovered items purchased with a fraudulent credit card from XXXX XXXX The items purchased are not ones in the brand I have ever used, and I don't even have kids to be buying children 's stuff. Account was applied in XX/XX/XXXX, by stealing my identity, but with that unknown address in XXXX above. My credit report shows that unpaid debt was charged off on XX/XX/XXXX, and the following month it was sold to MCM above, who also reported the debt ( fraudulent ) with that address in XXXX above. They must have gotten that address from an ID theft who stole my identity, because I wasn't the one opening the account. Filed a claim with both companies within the last month or two, but XXXX wouldn't want to be responsible to fix their report to mark it as fraudulent, and MCM denied the claim and told me to file a police report, and so I did file a police report on XX/XX/XXXX. Also filed with FTC, who is assisting me with a recovery plan.
Frequently Asked Questions
What is Complaint #5563879 about?
Complaint #5563879 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 2022-05-15T12:00:00-05:00.
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.