Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Dear CFPB Representative, I write to offer further feedback regarding the complaint I recently submitted against XXXX complaint born of deep concern and a resolute commitment to protecting my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). My grievance centers on XXXX 's obstinate failure to provide the legally mandated documentation substantiating the debts reported on my credit file, and their subsequent dissemination of false and misleading information. 

In response to my duly filed request for verification, XXXX reply was not merely unsatisfactoryit was evasive and contradictory. Instead of delivering clear, signed documents or itemized account statements confirming the legitimacy of the alleged debts, they declared, in effect, an inability to locate my credit file. This response, which cites reasons such as a lack of recent credit activity or absence of a XXXX Social Security number, stands in stark opposition to the verifiable data that continues to mar my credit report. Such a response not only violates the provisions set forth in 15 U.S.C. 1681g and 1681iwhich insist on prompt and accurate investigations of disputed credit informationbut also calls into question the reliability of XXXX reporting processes. 

In the spirit of both accountability and transparency, I wish to reiterate the legal foundations of my complaint : Verification Obligations ( 15 U.S.C. 1681g ) : I am entitled to receive comprehensive evidencesuch as original, signed agreements or contractsthat confirms the existence and legitimacy of any debt listed in my credit file.

Investigation and Correction ( 15 U.S.C. 1681i ) : When discrepancies are disputed, credit reporting agencies must investigate the claim within a 30-day period, and if proper documentation is not provided, remove the unverifiable information immediately.

Potential Remedies for Noncompliance ( 15 U.S.C. 1681n and 1681o ) : The statutory framework further empowers me to pursue statutory damages and legal remedies if XXXX noncompliance is deemed willful or egregiously negligent. 

The dissonance between XXXX documented reporting practices and the assurances demanded by law resonates like a discordant note within an otherwise harmonious composition of consumer rights. I have sought nothing less than precision, transparency, and adherence to the legal standards that govern credit reporting in the XXXX XXXX 

Therefore, I respectfully request that the CFPB takes into account this additional feedback as part of my complaint. I seek your assistance to ensure that XXXX is held accountable to the full extent of the law, and that corrective measures are promptly implemented to expunge any unverifiable, misleading, or fraudulent information from my credit report. 

Thank you for your attention to this matter. I trust that the CFPBs vigilance will safeguard my consumer rights and, by extension, those of all citizens who rely on fair and accurate credit reporting. 

With sincere hope for a just resolution.

Company response to consumer: Closed with explanation