Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #5701921
Complaint Overview
Complaint ID: 5701921
Company: Encore Capital Group INC.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: Georgia
ZIP Code: 30106
Date Received: 2022-06-23T12:00:00-05:00
Date Sent to Company: 2022-06-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Referencing back to ComplaintXXXX XXXX is still failing to reinvestigate for the following accounts XXXX Bank and Midland Funding of the amount {$460.00}. I have the right to privacy by law and they do not have my written consent to furnish or report anything outside the permissible purpose. XXXX has removed XXXX Bank from my consumer report on complaint XXXX XXXX XXXX in one of the attachments below due to not having my written consent so I demand XXXX to reinvestigate and remove and block both accounts XXXX XXXX AND MIDLAND FUNDING XXXX I demand for XXXX to comply block and delete MIDLAND FUNDING because that account came from XXXX XXXX that they removed from my consumer report. On XX/XX/2022 I sent MIDLAND FUNDING an affidavit of truth via certified mail of several violations to me as a federally protected consumer and I have yet to receive a response from that. Referencing back to complaint XXXX MIDLAND FUNDING received a cease and desist letter on XX/XX/2022 and should cease all communication including my consumer report which is considered a medium and reporting anything is indirect communication according to the law.
Frequently Asked Questions
What is Complaint #5701921 about?
Complaint #5701921 was filed against Encore Capital Group INC. regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Problem with a credit reporting company's investigation into an existing problem. It was received by the CFPB on 2022-06-23T12:00:00-05:00.
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.