Credit reporting
Encore Capital credit reporting complaints
Consumers have filed 12,029 complaints about Encore Capital's credit reporting, 3,594 in the last 12 months (+6%). Encore Capital answered 100% on time and closed 12% with relief. See the whole Encore Capital record.
Encore Capital against other credit bureaus & report companies
| # | Company | 12 months | On time | Relief |
|---|---|---|---|---|
| 1 | TransUnion | 2,331,811 | 100% | 41% |
| 2 | Experian | 2,053,038 | 99.9% | 13% |
| 3 | Equifax | 2,003,445 | 99.9% | 40% |
| 4 | LexisNexis | 36,424 | 99.4% | 25% |
| 5 | CBC Companies | 22,776 | 100% | 53% |
| 6 | Capital One | 10,567 | 100% | 15% |
| 7 | FIS (Fidelity National Information Services) | 6,930 | 100% | 0% |
| 8 | Resurgent Capital Services | 5,816 | 99.9% | 21% |
| 9 | Early Warning Services (Zelle) | 4,540 | 100% | 0% |
| 10 | CL Holdings | 4,485 | 100% | 45% |
| 11 | Citibank | 4,468 | 100% | 48% |
| 12 | Bank of America | 4,455 | 99.4% | 13% |
| 13 | Encore Capital (Midland Credit) | 3,594 | 100% | 12% |
Latest Encore Capital credit reporting complaints
| Received | About | Issue | Answer |
|---|---|---|---|
| Oct 31, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 31, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 31, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Oct 30, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 30, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 30, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 30, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 30, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Fixed |
| Oct 30, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Fixed |
| Oct 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Fixed |
| Oct 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 29, 2026 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Oct 29, 2026 | Credit reporting | Incorrect information on your reportAccount status incorrect | Explained |
| Oct 29, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Oct 29, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
| Oct 29, 2026 | Credit reporting | Incorrect information on your reportAccount information incorrect | Explained |
| Oct 29, 2026 | Credit reporting | Incorrect information on your reportPersonal information incorrect | Explained |
| Oct 29, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Fixed |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | In progress |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 28, 2026 | Credit reporting | Problem with a company's investigation into an existing problemTheir investigation did not fix an error on your report | Explained |
| Oct 28, 2026 | Credit reporting | Incorrect information on your reportInformation belongs to someone else | Explained |
| Oct 28, 2026 | Credit reporting | Improper use of your reportReporting company used your report improperly | Explained |
Your rights with credit bureaus & report companies
Under the Fair Credit Reporting Act you can dispute anything inaccurate or incomplete on your report, and the credit bureau generally has to investigate within 30 days (45 in some cases) and fix or delete what it cannot verify. You are entitled to free reports from each nationwide bureau at annualcreditreport.com, and you can place a fraud alert or a free security freeze.
Scam warning: Nobody can legally remove accurate negative information from your report - be wary of anyone promising to. The only official site for your free reports is annualcreditreport.com.
General information, not legal advice; rules vary by state. Plain-English guides
Complaint records are public consumer complaints filed with U.S. regulators, checked (newest received Nov 15, 2026). Complaints are consumers' own accounts and are not verified; counts grow with a company's size. How the data works
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