Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
To Whom It May Concern, This letter constitutes a formal demand for immediate corrective action regarding the continued reporting of fraudulent, inaccurate, and unverifiable information on my credit reports maintained by XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite numerous disputes filed over the past four years, these agencies have persistently failed to fulfill their statutory obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

I have provided ample evidence that I am a victim of identity theft. Specifically, fraudulent activity associated with my Social Security Number ( XXXX ) began when I was only XXXX XXXX XXXX irrefutable indicator that the accounts in question could not have been lawfully authorized by me. These facts alone should have triggered an immediate and thorough investigation and the removal of the disputed accounts under 15 U.S.C. 1681i, which mandates that consumer reporting agencies conduct a reasonable reinvestigation within 30 days of receiving a dispute and remove any information found to be inaccurate, unverifiable, or the result of fraud. 

Your failure to remove this clearly fraudulent data also constitutes willful noncompliance with the FCRA under 15 U.S.C. 1681n, and/or negligent noncompliance under 1681o, both of which expose you to civil liability, statutory damages, punitive damages, and attorneys fees. Furthermore, under the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 ), knowingly permitting the use or maintenance of false or stolen identifying information for credit or financial purposes constitutes a federal crime. Your inaction places your organizations in direct violation of this law and potentially renders you complicit in ongoing fraudulent activity.

By continuing to report these illegitimate accounts without legitimate verification, you are not only violating federal lawyou are also actively enabling identity theft. You have failed to meet the minimum standard of care required under federal statutes, and your inaction has caused me significant financial harm, emotional distress, and reputational damage. 

I hereby demand the following immediate actions : 1. A comprehensive, third-party reinvestigation of all accounts associated with my Social Security Number.
2. The immediate and permanent removal of any and all information that is fraudulent, inaccurate, or unverifiable.

3. Written confirmation within 10 business days of receipt of this letter that these actions are underway, and full resolution within 30 calendar days, as required by law. 

If you fail to comply, I will proceed with filing formal complaints with the following entities : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) The Office of the Attorney General for the State of Colorado Any applicable state or federal court with jurisdiction over FCRA or identity theft violations. 

Be advised that failure to take timely corrective action will result in legal action, and I will pursue all remedies available under federal law, including but not limited to monetary damages, injunctive relief, and attorneys fees. 

This matter is of critical urgency, and I expect your immediate and full cooperation. This is your final opportunity to correct the unlawful reporting practices associated with my credit file before legal proceedings are initiated. 

Sincerely, XXXX XXXX XXXX : ( XXXX ) XXXX Date : XX/XX/year>XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief