Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
CFPB CONSUMER COMPLAINT & AFFIDAVIT OF RIGHTS VIOLATION Complainant : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Statement of Facts and Consumer Rights Violations XXXX. Unauthorized Communications Violation of 15 U.S.C. 1692c ( a ) Notice is hereby given that I, the undersigned affiant and consumer, did not give prior consent for any debt collector to initiate communication with me. Furthermore, no court order authorizing such communication exists. Any attempted communicationby phone, mail, email, or other mediumconstitutes a direct violation of 15 U.S.C. 1692c ( a ) of the Fair Debt Collection Practices Act ( FDCPA ).

2. Definition of Communication 15 U.S.C. 1692a ( 2 ) As defined by statute, communication means the conveying of information regarding a debt directly or indirectly through any medium, including mail, publications, emails, text messages, phone calls, or digital contact. Therefore, any and all correspondence received from the parties listed below falls under this statutory definition and is subject to compliance with FDCPA standards. 

XXXX. Violation of Privacy and Constitutional Rights It is a fact that as a consumer, I hold the right to privacy and security in my papers, effects, and personal information. Any unauthorized third-party collection, transfer, or publication of alleged debt information without my express written consent constitutes an infringement upon my individual rights of privacy, as protected by both the FDCPA ( XXXX XXXX. XXXX et seq. ) and the Constitutional right to be secure in ones papers and effects. 

XXXX. XXXX of XXXX and XXXX Accounts The following entities have reported accounts to XXXX or more consumer reporting agencies without proof of ownership, contract, or lawful authority to do so. These actions have damaged my credit reputation, interfered with financial opportunities, and caused emotional and economic harm. 

Disputed Accounts and Furnishers Furnisher / Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Demand for Remedy I, the affiant, hereby demand : Immediate cessation of all communications from the above-listed furnishers and their agents pursuant to 15 U.S.C. 1692c ( c ). 

Complete deletion of any unauthorized or unverifiable accounts from all consumer reports maintained by XXXX XXXX XXXX XXXX 

Written validation of the alleged debts pursuant to 15 U.S.C. 1692g ( b ) within 30 days of receipt of this notice. 

Written confirmation of compliance to be submitted directly to my address or email listed above. 

Failure to comply will result in immediate escalation to the Federal Trade Commission ( FTC ), and the Office of the Attorney General for further enforcement and damages under applicable federal law. 

Affirmation XXXX, XXXX XXXX, declare under penalty of perjury under the laws of the United States of America that the foregoing is true, correct, and complete to the best of my knowledge and belief. 

Executed on : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief