Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #8181522
Complaint Overview
Complaint ID: 8181522
Company: Encore Capital Group INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Alabama
ZIP Code: 35126
Date Received: 2024-01-15T12:00:00-05:00
Date Sent to Company: 2024-01-15T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On my XXXX credit report Employer name checking account XXXX XXXX XXXX XX/XX/XXXX is not my employer. I want that inaccurate info removed per 15 USC 1681. On my XXXX credit report, my Experian credit report, and my XXXX credit report I need the XXXX XXXXXXXX charge off removed since when the debt was bought it became a certificate of indebtedness and is now income and income can't be reported via Irs publication. XXXX5 USC 1681 ( b ) Permissible purposes of consumer reports state : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 USC 1681 inaccurate reporting on my XXXX credit report has XXXX names that are not mine and need to be removed, XXXX non mailable addresses that need to be removed, and the removal of XXXX of the Universal Lawn Appeal because there is XXXX of them there. On my XXXX credit report there are XXXX names and XXXX non mailable addresses I need removed. My XXXX credit report, my Experian credit report, and my XXXX credit report I would like to opt out of Midland Credit Management XXXX for Ads/Comenity and Credit XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I was never told I had the option to opt out by any of these companies. Under XXXX CFR XXXX ( f ) XXXX right to opt out. A consumer XXXX exercise the right to opt out at any time. 15 USC 6802 : Obligations with respect to disclosures of personal information : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. Under15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are not allowed on a consumer credit report.There are 2 capital ones on my Experian credit report and there should only be the one dated 04/10/13 Im requesting all inquiries promotional, account review, hard and soft inquiries on my Transunion credit report, my Experian credit report, and my Equifax credit report 15 USC 1681 ( b ) Permissible purposes of consumer reports state : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Frequently Asked Questions
What is Complaint #8181522 about?
Complaint #8181522 was filed against Encore Capital Group INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2024-01-15T12:00:00-05:00.
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 (Credit reporting 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.