Consumer complaint received 2026-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the following account that is currently appearing on my credit report : Creditor/Collection Agency : XXXX XXXX XXXX Account Number : Amount : This account is not owed in this amount which is inaccurate .account has been paid on since first opening in which was in food standing. The account was only behind after The summer due to XXXX XXXX XX/XX/XXXXfrom a minimum payment of {$38.00} to {$300.00} per month which is very much unaffordable. I am on a limit low income and is homeless and have been since XX/XX/XXXX. I have been sleeping outside. This account has not been effectively or been properly verified, despite prior contacting XXXX XXXX XX/XX/XXXX, to resolve this issue and the submission of documentation. I cancelled the underlying car insurance policy before the policy period ended, and therefore no balance was due. Nevertheless, the creditor continued to bill me and subsequently sold or assigned this alleged debt to a third party. I have payment histories based off of my debit cards that I was paying on. The p o box isn't mines and it belongs legally to another recipient and I'm am no longer able to receive any invoices and letters from you anymore.

I have not disputed this account as of yet directly and have not filed a complaint yet with the Consumer Financial Protection Bureau ( CFPB ). But Despite this, the furnisher continues to report the account without providing competent evidence that the debt is valid or that they have the legal right to collect it.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure that information reported is accurate, complete, and verifiable. Reporting information that has not been properly verified after a dispute is a violation of federal law.

Additionally, under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), a debt collector must cease collection and reporting activities until proper validation is provided. To date, no such validation has been furnished.

I am also experiencing significant financial hardship, including homelessness, and the continued reporting of this inaccurate account is causing ongoing harm to my ability to secure housing and basic necessities.

I am requesting the immediate deletion of this account due to : Failure to verify the debt Inaccurate reporting Failure to conduct a reasonable investigation Continued reporting after a CFPB complaint Reporting of a debt that is not owed Please complete your reinvestigation and provide written confirmation of deletion within the timeframe required by law.

If this account is not removed, I am prepared to pursue further remedies, including additional regulatory complaints and enforcement of my rights under federal law. 

Sincerely, XX/XX/XXXX -- invoice date XX/XX/XXXX Account number- XXXX. XXXX P.S.I can get bank statements to verify I was paying on this account and do not owe the amount listed .. as of right now I am XXXX and have been undergoing several of XX/XX/XXXXdue to XX/XX/XXXX and still have no where to go due to homeless. My XX/XX/XXXXwas taken to XXXX in the process of this. Right now I barely make {$700.00} a month.

Company response to consumer: Closed with non-monetary relief