Debt collection -- Attempts to collect debt not owed -- Complaint #8151353
Complaint Overview
Complaint ID: 8151353
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: Kentucky
ZIP Code: 418XX
Date Received: 2024-01-11T12:00:00-05:00
Date Sent to Company: 2024-01-11T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have disputed through XXXX, XXXX, XXXX. It comes back accurate for this account through Midland Credit Management. Account # XXXX Amount {$2900.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting Midland Credit Management to provide documentation and or contract with my signature on this debt and they have not responded. I will attach one of the letters I have sent with this complaint. They are reporting this debt as an OPEN account which is not accurate at all. Also the date of first delinquency is older than the date the account was open. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.
Frequently Asked Questions
What is Complaint #8151353 about?
Complaint #8151353 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 2024-01-11T12:00:00-05:00.
How did Encore Capital Group INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.