Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
CFPB Complaint - Inaccurate and Unverified Credit Reporting Consumer Information Full name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX, XXXX DOB : XXXX SSN : Last XXXX digits of XXXX : XXXX Date : XX/XX/year> Credit bureaus or furnishers involved : XXXX XXXX XXXX Complaint Summary This complaint addresses incorrect and unverified credit reporting by several credit bureaus, including XXXX XXXX and XXXX. The inaccuracies involve collections, charge-offs, and personal information discrepancies that have not been corrected despite previous disputes. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2, credit reporting agencies and furnishers are required to maintain accurate information and promptly correct any errors. The failure to do so has resulted in significant harm, including potential loan denials and adverse impacts on creditworthiness. Disputed Accounts MIDLANDCRE Account # : XXXX ( Equifax ) Issue : Duplicate derogatories and unverifiable debt Violation ( s ) : FCRA 1681e ( b ), 1681i COLLECTION Account # : 332082268 ( XXXX ) Issue : Duplicate derogatories and unverifiable debt Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX Account # : XXXX ( XXXX ) Issue : Duplicate derogatories and unverifiable debt Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX Account # : XXXX ( XXXX ) Issue : Outdated charge-off, unverifiable debt Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( XXXX ) Issue : Outdated charge-off, unverifiable debt Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX Account # : XXXX ( Equifax ) Issue : Outdated charge-off XXXX unverifiable debt Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX Account # : XXXX ( XXXX ) Issue : Unverifiable debt, outdated charge-off Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX Account # : 6035340101079131 ( XXXX XXXX ) Issue : Unverifiable late payments, outdated charge-off Violation ( s ) : FCRA 1681e ( b ), 1681i XXXX XXXX Account # : XXXX ( XXXX ) Issue : Unverifiable debt, outdated charge-off Violation ( s ) : FCRA 1681e ( b ), 1681i Hard Inquiry Disputes DIGITALFCU Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX Date of inquiry : XXXX Bureau ( s ) reporting it : XXXX Issue : Unauthorized inquiry, no permissible purpose Legal Reference : FCRA 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 Correct name : XXXX XXXX XXXX Incorrect addresses XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Correct address XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Incorrect birthdates : XXXX, XXXX Correct birthdate : XXXX Cite FCRA 1681e ( b ) for inaccurate personal info reporting Legal Basis FCRA 1681i, 1681s-2, 1681e ( b ) XXXX XXXX guidelines - Industry standard for data formatting Consumer Harm The errors in the credit report have caused significant damage, including potential loan denials, higher interest rates, and adverse effects on employment opportunities. These inaccuracies have also led to financial stress and potential housing issues. Requested Resolution Permanent deletion of unverifiable/inaccurate items Full reinvestigation and documentation Correction of any illegal or incorrect reporting

Company response to consumer: Closed with explanation