Consumer complaint received 2026-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: HI

Complaint narrative:
b'I am disputing several negative collection accounts reporting on my credit, as well as how my XXXX XXXX account is being reported.\n\nCollections I do not recognize\nThere are multiple collection accounts on my credit reports that I do not know or remember opening. These include:\n\nMidland Credit Management  approx. XXXXMidland Credit Management  approx. XXXXPortfolio Recovery Associates  approx. XXXXI have never knowingly opened or used any credit accounts that would lead to these collection accounts. I have never received original bills from these original creditors, and I do not recall receiving any clear validation or documentation from the collection agencies that proves these debts are mine.\n\nI only became aware of these accounts when I reviewed my 3bureau credit report dated XXXX XXXX XXXX Since then, I have been trying to understand where they came from and why they are being reported in my name. At this point, they appear to be errors or unverified accounts, but they are still reporting as serious derogatories and harming my credit.\n\nI am asking that the CFPB require the furnishers and the credit bureaus to:\n\nConduct a thorough investigation,\nProvide me with full documentation and validation showing how these debts are connected to me, and\nDelete any accounts that cannot be properly verified as mine.\nSantander auto loan  chargeoff and reporting\nI do recognize the Santander auto loan account and understand that it went delinquent and was eventually charged off. However, I am concerned about how the account is being reported and whether it is accurate and complete. The account is listed as:\n\nSantander  Auto installment\nOpened around XXXXStatus: Closed / Charged off as bad debt\nBalance reported: about XXXX want to make sure:\n\nThe dates of delinquency,\nThe chargeoff date,\nThe balance, and\nAny payment history / late payments\nare being reported accurately and consistently across all three credit bureaus. If any information is inaccurate, incomplete, or outdated, I want it corrected or removed.\n\nImpact and my request\nThese negative accounts, particularly the collections I do not recognize, are severely damaging my credit and making it harder for me to move forward financially. I am trying to clean up my credit file and only have accurate, properly verified information reported.\n\nMy requests are:\n\nFor Midland Credit Management and Portfolio Recovery Associates to be required to provide full validation of each debt (including original agreements, statements, and clear proof that I am responsible), or remove/withdraw the tradelines if they cannot do so.\nFor Santander and the credit bureaus to review my auto loan reporting for accuracy and completeness, and correct or update anything that is not reporting correctly.\nFor the credit bureaus to conduct a reasonable investigation of my disputes and not simply accept automated responses from furnishers when there are clear questions about ownership and accuracy.\nI am acting in good faith and just want my credit reports to show only accurate and fairly reported information. I would appreciate the CFPBs help in getting a clear, documented response from all parties involved and having any unverified or inaccurate negative information removed.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation