Consumer complaint received 2026-02-21 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: TX

Complaint narrative:
The complaint addresses multiple inaccuracies and unverifiable information present in the consumer 's credit reports, as furnished by XXXX XXXX XXXX XXXX These issues include incorrect reporting of collection and charge-off accounts, unauthorized hard inquiries, and inaccurate personal information. 

According to the Fair Credit Reporting Act ( FCRA ) sections 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to ensure the accuracy of the information they report and to conduct a proper reinvestigation of disputed items. The failure to comply with these requirements has resulted in significant harm to the consumer, including potential loan denials and higher interest rates.

The inaccuracies in the credit report have led to financial stress and potential employment issues, violating the consumer 's rights under the FCRA. 

Disputed Accounts XXXX  Account # : XXXX ( XXXX  ) Issue : Late 120 Days, Consumer disputes this account information Violation ( XXXX ) : FCRA section 1681s-2 ( b ) - Duty to correct and update information XXXX  Account # : XXXX ( XXXX  ) Issue : Charged off as bad debt, Purchased by another lender Violation ( XXXX ) : FCRA section 1681e ( b ) - Duty to assure maximum possible accuracy XXXX Account # : XXXX ( XXXX  ) Issue : Purchased by another lender, Unpaid balance reported as a loss by the credit grantor Violation ( s ) : FCRA section 1681s-2 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX  Account # : XXXX ( XXXX  ) Issue : Account closed due to inactivity, Unpaid balance reported as a loss by the credit grantor Violation ( s ) : FCRA section 1681s-2 ( b ) - Duty to correct and update information XXXX XXXX XXXX Account # : XXXX ( XXXX  ) Issue : Account closed due to inactivity, Unpaid balance reported as a loss by the credit grantor Violation ( s ) : FCRA section 1681s-2 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX  Account # : XXXX ( XXXX  ) Issue : Late 120 Days, Consumer disputes after resolution Violation ( s ) : FCRA section 1681i - Duty to reinvestigate disputes XXXX Account # : XXXX ( XXXX  ) Issue : Account closed due to inactivity, Unpaid balance reported as a loss by the credit grantor Violation ( s ) : FCRA section 1681e ( b ) - Duty to assure maximum possible accuracy XXXX XXXX XXXX  Account # : XXXX ( XXXX  ) Issue : Collection/Chargeoff Violation ( s ) : FCRA section 1681s-2 ( b ) - Duty to correct and update information XXXX  XXXX Account # : XXXX ( XXXX  ) Issue : First payment never received, Unpaid balance reported as a loss by the credit grantor Violation ( s ) : FCRA section 1681s-2 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX XXXX Account # : XXXX ( XXXX  ) Issue : Account closed due to inactivity, Unpaid balance reported as a loss by the credit grantor Violation ( XXXX ) : FCRA section 1681s-2 ( b ) - Duty to correct and update information XXXX Account # : XXXX ( XXXX  ) Issue : Collection/Chargeoff Violation ( s ) : FCRA section 1681e ( b ) - Duty to assure maximum possible accuracy XXXX XXXX  XXXX Account # : XXXX ( XXXX  ) Issue : Collection/Chargeoff Violation ( s ) : FCRA section 1681s-2 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX Account # : XXXX ( XXXX  ) Issue : Purchased by another lender, Unpaid balance reported as a loss by the credit grantor Violation ( s ) : FCRA section 1681s-2 ( b ) - Duty to correct and update information Hard Inquiry Disputes XXXX XXXX  Date of inquiry : XXXX Bureau ( XXXX ) reporting it : [ XXXX  ] Issue : Inquiry appears excessive and unauthorized Legal Reference : FCRA section 604 - Permissible purposes of consumer reports XXXX XXXX  Date of inquiry : XXXX Bureau ( s ) reporting it : [ XXXX  ] Issue : Inquiry appears excessive and unauthorized Legal Reference : FCRA section 604 - Permissible purposes of consumer reports XXXX XXXX XXXX  Date of inquiry : XXXX Bureau ( XXXX ) reporting it : [ XXXX  ] Issue : Inquiry appears excessive and unauthorized Legal Reference : FCRA section 604 - Permissible purposes of consumer reports Personal Info Discrepancies Incorrect names : 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 Incorrect DOBs : XXXX XXXX XXXX XXXX XXXX XXXX  Cite : FCRA section 1681e ( b ) - Duty to assure maximum possible accuracy Legal Basis FCRA sections 1681i - Duty to reinvestigate disputes FCRA sections 1681s-2 - Duty of furnishers to provide accurate information FCRA sections 1681e ( b ) - Duty to assure maximum possible accuracy XXXX XXXX guidelines - Industry standard for data formatting Consumer Harm The inaccuracies present in the consumer 's credit report have caused significant harm, including potential loan denials and higher interest rates. These errors have led to financial stress and potential employment issues, impacting the consumer 's financial stability and quality of life.

Company response to consumer: Closed with explanation