Consumer complaint received 2026-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Identity Theft Request to Block and Delete Fraudulent Accounts Under 15 U.S.C. 1681c-2 To Whom It May Concern : I am submitting this dispute and identity theft complaint regarding fraudulent accounts and information that do not belong to me which are being reported by one or more consumer reporting agencies and/or furnishers. I am requesting that these accounts and any related information be blocked from my consumer reports and deleted pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ).

I am a victim of identity theft. I did not open, authorize, or benefit from the fraudulent accounts and charges that are being reported in my name. These accounts and any resulting negative information are inaccurate and must be removed. 

In support of my claim, I am providing the following documents : XXXX. A copy of my FTC Identity Theft Report ( from XXXX ). 
2. A copy of my government-issued photo identification.

3. A copy of my Social Security card ( or other proof of Social Security number ).

4. A copy of proof of my current address ( utility bill, bank statement, or similar document ).

I am also listing the fraudulent accounts and information below, to the best of my knowledge at this time ( this list may not be exhaustive ) : - Creditor/Collector Name : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$630.00} Reason : Identity theft this account is not mine. 

- Creditor/Collector Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX Balance : {$430.00} Reason : Identity theft this account is not mine. 

- Creditor/Collector Name : XXXX Account XXXX : XXXXXXXX XXXX XXXX  Balance : {$110.00} Reason : Identity theft this account is not mine. 

- Creditor/Collector Name : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$340.00} Reason : Identity theft this account is not mine. 

- Creditor/Collector Name : XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$640.00} Reason : Identity theft this account is not mine. 

- Creditor/Collector Name : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Balance : {$320.00} Reason : Identity theft this account is not mine. 

- Creditor/Collector Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Balance : {$630.00} Reason : Identity theft this account is not mine. 

- Creditor/Collector Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Balance : {$460.00} Reason : Identity theft this account is not mine. 


# # # Legal basis 15 U.S.C. 1681c-2 Under 15 U.S.C. 1681c-2, when a consumer reporting agency receives : ( 1 ) an identity theft report, ( 2 ) proof of identity, and ( 3 ) proof of address, it must block the reporting of information that resulted from identity theft. The statute does * * not * * require a police report ; a valid identity theft report, such as an FTC Identity Theft Report, is sufficient to trigger the blocking requirements.

I therefore demand that : 1. All fraudulent accounts and any information resulting from identity theft be * * blocked from my consumer report and deleted * *.

2. The consumer reporting agencies and furnishers cease reporting these fraudulent accounts and any related negative information.

3. Any user of my credit report who received my report with these fraudulent items be notified of the corrections, as applicable.

Because I have provided a valid identity theft report, proof of identity, SSN, and proof of address, I am demanding that these fraudulent accounts and related information be blocked and deleted from my reports * * within 4 business days * * of receipt of this dispute and supporting documentation, consistent with the expedited blocking requirements under 15 U.S.C. 1681c-2.

Please provide : - Written confirmation that the fraudulent accounts and related information have been blocked and deleted.

- An updated copy of my consumer report reflecting the removal of all identity theftrelated information.

- A written explanation if any item is not blocked, including the specific statutory exception being relied upon.

I am submitting this letter and documentation as part of my complaint and dispute through the CFPB, and I request that the CFPB ensure that the consumer reporting agencies and furnishers comply with 15 U.S.C. 1681c-2 and all other applicable provisions of the Fair Credit Reporting Act.

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX [ Last XXXX of XXXX : XXXX

Company response to consumer: Closed with non-monetary relief