Date Received: 2023-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The original creditor AT & T has since sent my information to another debt collection agency and they refuse to stop calling me and they are improperly using my credit report again
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I PULLED MY CREDIT REPORT ON XXXX TO FIND NOTHING BUT COLLECTION COMPANIES REPORTING TO ALL THREE CREDIT BUREAUS OF ACCOUNTS THAT I HAVE NO KNOWLEDGE OF. I HAVE NEVER RECEIVED NOTICE OR PHONE CALLS REGARDING THESE ACCOUNTS. THE COLLECTION COMPANIES ARE AS FOLLOWS : 1. XXXX XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 2. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) 3. XXXX XXXX - ACCOUNT T-MOBILE ( NO KNOWLEDGE 4. XXXX XXXX XXXX- ACCOUNT XXXX XXXX ( NO KNOWLEDGE ) THESE TWO COLLECTION COMPANIES ARE REPORTING THE SAME ONE ACCOUNT AND IT APPERAS THAT XXXXXXXX XXXX XXXX HAD THE ACCOUNT FIRST AND THEN SOLD IT TO ENHANCED RECOVERY. XXXXXXXX XXXX FELL TO STOP REPORTING THE ACCOUNT, NOW THERE IS TWO COLLECTION COMPANIES REPORTING THE SAME ACCOUNT. 5. XXXX XXXX, XXXX -ACCOUNT AT & T ( NO KNOWLEDGE ) 6. ENHANCED RECOVERY ( NO KNOWLEDGE )
Company Response:
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced recovery co l is reporting a account on my credit report thats keep removing and update every year with a new account number each time account number XXXX does not belong on my credit report this is a fraud account this account need to be removed within 30 days else I would have to take legal action
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three CRA.
Company Response:
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Monday morning XX/XX/23 I received a phone call from a Lady who claimed to be with ERC Collections telling me that they were attempting to collect a debt that I owed XXXX ( company that provides telephone service ) {$750.00} for a past due phone bill. I told her this bill was fraudulent because I have not ordered any service or items from XXXX. She told me they would send me information how to make a stolen identity fraud report to them. I don't use XXXX for my phone service. I use other companies that are more reputable and don't overcharge their customers. In the past few years XXXX has sent me Three fraudulent bills. The first one came directly from XXXX. The second fraudulent bill came from XXXX collections, and this fraudulent bill came from ERC collections. The first two fraudulent bills were cleared through the State Attorney General 's office and the XXXX XXXX XXXX. I am taking the same action on this third bill but I thought to start taking more serious action by notifying the Consumer Financial Protection Bureau. I feel these companies should be held accountable for sending out Fraudulent bills to XXXX XXXX XXXX XXXX. I also feel these companies are trying to steal money from people that do not owe them money. Can the Consumer Financial Protection help in this matter.
Company Response:
State: OH
Zip: 45102
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Good afternoon as attachments below will have details of being removed several times i do not know why they continue to harass me and i will take legal action. dates and actions are below this description. REPORT NUMBER : XXXX DATE GENERATED XXXX XXXX DEBT COLLECTORS XXXX XXXX & XXXX XXXX Debt Colletors ENHANCED RECOVERY CO L They have embarrassed me and toyed with my personal credit by selling these accounts multiple time as it has been removed
Company Response:
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX flagged my account as Collections on XX/XX/2023 and my XXXX Score decreased by XXXX points with XXXX : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX It wasn't my debt so I files a dispute and was notified it was removed from my credit report : Source : XXXX XX/XX/2023 Report Number : XXXX Now, the SAME DEBT is in collections and myFICO Score has decreased by XXXX points! This time ENHANCED RECOVERY CO XXXX has flagged my account as Collections on XX/XX/2023 : ENHANCED RECOVERY CO L XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance : {$1500.00} How many times must I work to dispute THE SAME DEBT? This is predatory collection activity, happening to a senior citizen. The debt originated with XXXX XXXX XXXX, who I think is also culpable as its happened multiple times with XXXX XXXX XXXX and my credit has been frozen. XXXX XXXX XXXX is ruining my life with these fraud accounts.
Company Response:
State: IA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This item is clearly an identity theft. Report was incomplete also! How will you verify this account that this is really mine?
Company Response:
State: CT
Zip: 06112
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: They just keep calling me every day over and over about a website that I dont have. Its been months and months they will not stop calling me. They call from various numbers in Colorado. Today was XXXX. XXXX.
Company Response:
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A