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ENCORE CAPITAL GROUP INC. – CFPB Complaint

By on September 15, 2017

Date Received: 2017-07-16T00:00:00

Product: I do not know

Issue: Communication tactics

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: This compliant is against Midland Funding I have disputed this account that is currently listed on my credit report. I sent correspondences to Midland funding and the only documentation they are showing me are invoices for me to make payment. I have never entered into any agreement with Midland and I have asked them to verify the proof that I owed the debt.


When I dispute these items with XXXX , XXXX & XXXX the debt is continuing being reported on my credit report as verified from furnisher which is a violation of the FCRA.


Currently the furnisher Midland Credit is reporting false information for example : The date open reports XX/XX/XXXX Date of 1st delinquency XX/XX/XXXX Date of the 1st major Reporting XX/XX/XXXX How can the account 1st delinquency which is XX/XX/XXXX , occur a year before the account open in XXXX .


This information is false, and Midland continues to call me, send me type written correspondences and send information to the credit bureaus.

Company: ENCORE CAPITAL GROUP INC.

State/Zip: NJ 079XX

Company Response to Complaint: Closed with non-monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2576220

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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