Debt collection -- Attempts to collect debt not owed -- Complaint #7563275
Complaint Overview
Complaint ID: 7563275
Company: Encore Capital Group INC.
Product: Debt collection
Sub-Product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Oklahoma
ZIP Code: 74136
Date Received: 2023-09-17T12:00:00-05:00
Date Sent to Company: 2023-09-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am not liable for this debt with XXXX XXXX and do not have a contract with Midland Funding LLC. They refused to provide me with the orginial application like I asked and continued to report a negative account to XXXX, XXXX and XXXX. On XX/XX/2018 ; Midland Funding LLC began to report a balance of XXXX on my credit report. I disputed this account with XXXX and explained that I did not have any account that reflected this bank or this amount owed. Midland Funding then decided to update the balance on the account to {$1800.00} and reported the dispute as resolved and the dispute was closed. I disputed this account again for ownership and asked the creditor to validate the debt with a signed copy of my application to this company or the pry contract, the company provided neither documents. Instead, Midland Funding verified the debt as accurate and no further changes were made to the account. I do not acknowledge this debt and request that it is removed from my credit report immediately.
Frequently Asked Questions
What is Complaint #7563275 about?
Complaint #7563275 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 2023-09-17T12:00:00-05:00.
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 (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.