Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #5869231
Complaint Overview
Complaint ID: 5869231
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: Florida
ZIP Code: 32137
Date Received: 2022-08-11T12:00:00-05:00
Date Sent to Company: 2022-08-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
In XX/XX/2022, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) informing me that they had charged off my XXXX account and sold it to Midland Credit Management ( MCM ) for collections. On XX/XX/2022, I paid off the entire balance owed of {$2200.00} using my bank debit card. On XX/XX/2022, I received a letter from MCM stating I had a XXXX XXXX balance on my XXXX XXXX I spoke with MCM and they told me that I paid off the debt before they were able to report the collections to the credit bureaus, so therefore they don't have a collection line item to update and they would not be able to update the XXXX XXXX XXXX credit bureau line item. When I called XXXX XXXX XXXX they tell me that they no longer have the account and that I will have to resolve the credit bureau update with MCM. So, no one at either company is willing to update my credit profile to reflex the balance has been paid in full.
Frequently Asked Questions
What is Complaint #5869231 about?
Complaint #5869231 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 2022-08-11T12:00:00-05:00.
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.