Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6059781
Complaint Overview
Complaint ID: 6059781
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: California
ZIP Code: 92507
Date Received: 2022-10-06T12:00:00-05:00
Date Sent to Company: 2022-10-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
PLEASE STOP CLOSING MY DISPUTES AS A DUPLICATE! IT IS NOT! This is my THIRD CFPB complaint. I previously filed a complaint and my matters were not addressed during the resolution. I informed you, the CFPB, AND XXXX, that, - XXXX, and XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in violation of one or more U.S. Codes. Due to this going ignored during my last dispute, I will list the violations AGAIN. First violation : 15 U.S. Code 1681i : XXXX received my dispute letters sent via certified mail, and never followed the proper procedure upon disputed accuracy. I also never received the results of any alleged investigations, nor any physical documents baring my signature, nor did I even receive a copy of my credit report. Second violation : 15 U.S. Code 1681s2 : It is prohibited to continue reporting information upon receiving notice by the consumer that the information being reported is believed to be incorrect by the consumer. Since my very first dispute a year ago, the information I disputed never ceased reporting. Third violation : 15 U.S. Code 1681c2 ( a ) : The information was disputed as identity theft, and was never blocked within four ( 4 ) days of receipt. The next violation is 15 U.S. Code 6801 : My nonpublic information is not being protected! The financial institutions listed above are sharing my private information without my consent! I was also never provide with a clear and conspicuous notice or disclosure that allowed me to exercise my right to opt out of reporting. This choice was taken from me. On top of that how in the world did the third party collection agencies listed above obtain my social security number and personal details? I really need for you to look into this for me. 15 U.S. Code 6802 also states that my nonpublic information is not to be shared with nonaffiliated third parties such as credit reporting agencies, in this case XXXX, and others, without my expressed consent or discretion. No consent is identity theft! Congress states under 15 U.S. Code 1681 that credit reporting agencies are to exercise their grave responsibilities with fairness, impartiality, and respect the consumers right to privacy. I am being treated unfairly, and my right to privacy is NOT being protected! Especially by continuing to report this information. Furthermore, 15 U.S. Code 1681 ( 2 ) states that transactions and experiences between the consumer and furnisher is to be " excluded '' from consumer reporting. Again, I never consented to any of this! There are more violations, but I will stick to these for now. There is no way that any human interaction occurred during this alleged investigation! Speaking of, I never consented to XXXX, and do NOT consent to XXXX going forward. Due to the reasons expressed above and more, I am demanding that XXXX immediately delete the disputed information. If not, I will have to seek legal council. Each and every day that goes by causes more harm and injury to me which will be reminded through monetary relief.
Frequently Asked Questions
What is Complaint #6059781 about?
Complaint #6059781 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 2022-10-06T12:00:00-05:00.
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.