Debt collection -- Attempts to collect debt not owed -- Complaint #7132873
Complaint Overview
Complaint ID: 7132873
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was result of identity theft
State: Oregon
ZIP Code: 97402
Date Received: 2023-06-18T12:00:00-05:00
Date Sent to Company: 2023-06-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
The credit report shows : MIDLAND FUNDING original creditor : XXXX XXXX collection debt : {$660.00} date open : XX/XX/XXXX contact info : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted the credit bureau in XXXX after realizing that there I had been a victim of identity deft. There was multiple accounts open under my name. My identity was compromised when I became homeless for a period of 3 years from XXXX in XXXX XXXX XXXX XXXX I have been contacted by the above creditor. I have challenged their collection debt as the debt was not made by me. I was able to resolve all of the other unauthorized accounts that were open under my name except the aforementioned. I would like to obtain you assistance in this matter as I have made several direct attempts to resolve this issue with no avail.
Frequently Asked Questions
What is Complaint #7132873 about?
Complaint #7132873 was filed against Encore Capital Group INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2023-06-18T12:00:00-05:00.
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 (Debt collection) 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.