Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5677282
Complaint Overview
Complaint ID: 5677282
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: North Carolina
ZIP Code: 27106
Date Received: 2022-06-16T12:00:00-05:00
Date Sent to Company: 2022-06-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Midland Credit Management is in violation of 15 USC code 1692e by reporting a derogatory account that shows the account type as a " debt buyer '' on my XXXX report while also reporting it as a collection. On my XXXX report they are reporting account type as a " Factoring Company '' while also reporting it as a collection. And on my XXXX report, they are reporting the account type as " Debt Buyer '', while simultaneously reporting it as a collection. 15 USC code 1692e clearly states that it is a violation of federal law. In addition to their violation above, on my XXXX report they are also reporting the account as closed and are not reporting the date is was closed. By doing so they are inadvertently attempting to reage the account. The Fair Credit Reporting Act says that reaging an account is illegal. They are also reporting a balance other than XXXX which is also incorrect. Midland Credit Management must close this negative account, and permanently delete it from all credit bureaus that are currently reporting it under my social security number.
Frequently Asked Questions
What is Complaint #5677282 about?
Complaint #5677282 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 2022-06-16T12:00:00-05:00.
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.