Consumer complaint received 2024-02-21
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX ] [ XXXX XXXX XXXX XXXX ] [ XXXX, XXXX ] XXXX [ XXXX [ XX/XX/XXXX ] Federal Trade Commission Consumer Response Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Subject : Identity Theft Report and Request for Assistance Regarding Unauthorized XXXX XXXX XXXX Dear Sir/Madam , I am writing to formally report an incident of identity theft that has significantly impacted my financial health and credit report. This letter serves as a formal complaint and a plea for assistance in resolving a matter that involves an unauthorized credit card issued by XXXX, under the account number # XXXX managed by Midland Credit Management. This account was opened without my knowledge or consent, and I believe it to be a direct result of identity theft that occurred in XXXX, which I had reported to the local authorities at that time. 

Despite my efforts to resolve this issue directly with XXXX and the credit reporting agencies, the unauthorized account continues to adversely affect my credit score and report. The presence of this fraudulent account in my credit history is causing me undue stress and financial harm, as it inaccurately reflects my creditworthiness and has potential long-term effects on my ability to obtain credit in the future. 

Here are the steps I have already taken in an attempt to rectify this situation : Contacted XXXX to dispute the unauthorized credit card and requested its removal from my credit report. 
Filed a dispute with the XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ) to challenge the fraudulent account. 
Reported the identity theft to the local police department at the time of the incident in XXXX and obtained a police report. 
Unfortunately, these measures have not yet resulted in the resolution of my case or the removal of the unauthorized account from my credit report. Therefore, I am seeking the assistance of the Federal Trade Commission to : Investigate this matter further to ensure the fraudulent account is permanently removed from my credit history. 
Provide guidance on additional steps I can take to protect my identity and financial reputation. 
Assist in communicating with XXXX and the credit reporting agencies to expedite the resolution of this fraudulent activity. 
Enclosed with this letter, you will find copies of all relevant documentation, including the police report filed in XXXX, correspondence with XXXX, and the disputes filed with the credit reporting agencies. These documents substantiate my claim and my proactive efforts to resolve this issue. 

I am hopeful that with the FTC 's intervention, this matter can be resolved swiftly and justly. I kindly request to be kept informed of any developments or actions taken on my behalf. Your assistance in this matter is crucial to restoring my credit integrity and financial well-being. 

Thank you for your attention to this urgent matter. I look forward to your prompt response and assistance. 

Sincerely, XXXX XXXX Enclosures : Police Report XXXX ( XXXX ), Correspondence with XXXX, Dispute Filings with Credit Reporting Agencies