Date Received: 2018-11-01T00:00:00.000
Product: Credit card debt
Issue: False statements or representation
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: I reviewed my credit report and found that there was a credit card collection on my account. My information was also updated to my current mailing address. I mailed at letter XX/XX/XXXX to dispute this collection. In the letter I demanded to see verifiable proof on the account ” XXXX XXXX XXXX : Account # XXXX ”. XXXX then sent me a letter not verifying said information. I then sent a second letter XX/XX/XXXX. They said it was ” verified correctly ” but did not provide me any original documentation under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it under Section 611 ( 5 ) ( A ) of the FCRA. All 3 bureaus nor the creditor have not provided this documentation and this should be promptly deleted.
There also was a dispute sent XX/XX/XXXX about multiple inquiries and they and the creditors have failed prove that I initiated such inquiries.
*NOTE* Please see attached for all the documents and letters that were sent to XXXX. Please advise. For the collection account ” XXXX XXXX XXXX : Account # XXXX ”, this applied to XXXX, XXXX, XXXX, and the creditor. Those letters are also attached.
Company: ENCORE CAPITAL GROUP INC.
State/Zip: GA 300XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3062808
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.