Credit reporting, credit repair services, or other personal consumer reports -- Problem with a credit reporting company's investigation into an existing problem -- Complaint #6852342
Complaint Overview
Complaint ID: 6852342
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: Texas
ZIP Code: 75154
Date Received: 2023-04-17T12:00:00-05:00
Date Sent to Company: 2023-04-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear CFPB, On XX/XX/2023 Midland Credit Management INC / acct : # XXXX FALSELY updated this account to incorrectly report Paid Collection to my XXXX Report. I am requesting a reinvestigation of Midland Credit Management INC / acct : # XXXX Because This account is NOW Knowingly Falsely reporting : Remarks : - PAID COLLECTION- On my XXXX REPORT ( ONLY ). This is COMPLETELY INACCURATE, AND FALSE because I have NEVER paid this company or this account, nor have I EVER had ANY, scheduled payment arrangements with this company, which would mean there is no way possible for this account to be a PAID COLLECTION. Furthermore MIDLAND CREDIT MANAGEMENT INC ACCT : # XXXX is reporting a DIFFERENT BALANCE for the same account to the other 2 CRAs : XXXX XXXX {$0.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XX/XX/2023 ) XXXX XXXX {$640.00} on ( XXXX XXXX ) If this account was accurately being reported on XX/XX/2023 to XXXX as a Paid Collection, then on XX/XX/2023 it should have been reported the same way to XXXX, and XXXX. This is Willful Negligence and it is a FCRA Violation for a debt collector to use any false representation or deceptive means to collect or attempt to collect any debt. According to 1006.18 ( False, deceptive, or misleading ) this includes : ( i ) The character, amount, or legal status of any debt.
Frequently Asked Questions
What is Complaint #6852342 about?
Complaint #6852342 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 2023-04-17T12:00:00-05:00.
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.