Date Received: 2021-08-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am applying for a new home to help my family under this pandemic and my loan officer looked at my credit mentioning there's a problem and he can not move further with my application. He mentioned ERC is a new account and I have to fix this problem. XXXX an account listed on my credit report that just popped up under ERC collecting for a company called XXXX XXXX for {$880.00}. This company is operating unethically and in violation of my rights. This is a company who has never sent me a letter or called ever. I've never done business with them and have no financial obligation to them. This account was on my credit previously in XXXX with XXXX XXXX XXXX under the account number XXXX I was not familiar with this account and asked them to SUBSTANTIATE this claim that I owe them. I have been a victim of ID theft before and I monitor my financial affairs very closely. XXXX XXXX XXXX then removed the debt and placed it with another company called ERC. All this happened under 30 days ( see attached screenshots ) so how would XXXX XXXXXXXX XXXX send me a right to dispute or explain my rights.The Federal Trade Commission has taken action against a debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as XXXX XXXX.The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports.The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX, director of the F.T.C.s bureau of consumer protection, said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX. I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethically acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. I need this taken off my credit because I can not get my home to move my kids into, I will file suit with an attorney of my choice.
Company Response:
State: NY
Zip: 10550
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: About 2 years ago I decided to leave XXXX because they kept charging me for phones, tablets, and other devices that I did not have. When I brought this to their attention they continued to ignore me and when I did get a live representative they would tell me I had no choice and that I had to pay even if I was never given a phone they were charging me for. After going through this and my bill continuously being incorrect I finally got to the point that I decided I could not take it anymore as it was causing me stress and I do in fact have XXXX and XXXX XXXX XXXX. When I tried to cancel they would apologize profusely and start making me offers in order for me not to leave their company and I ended up staying longer but when they continued to charge me erroneous fees I finally could not take it and decided to cancel and I ended up going to XXXX XXXX XXXX. When I left I paid the amount I owed and at that point, I did not hear from them for about 2 years. However, I recently received a bill out of nowhere appear on my credit report for {$3000.00} from a collection agency called Enhanced Recovery as of XX/XX/2021. Not only did I get this applied to my credit report I am now receiving threatening phone calls telling me that if I do not pay they will take me to court and even after expaining to them that I do not owe they are very rude and keep calling ane refuse to take this erroneous account off of my credit which has dropped y score dramatically. Please review this as after exploring this company and XXXX I read many reports of them doing this to others with the exact same story but I'm sure once they realize they can't take advantage of me I am hoping they will remove it from my credit report and if not I will seek legal advice as I refuse to pay for a bill I do not owe.
Company Response:
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no written contract with company
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2021-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received information from you attempting to collect the above-listed alleged debts. Your initial communication to me of the alleged-debts was within 30 days ago. Please be further advised, I dispute the validity of the alleged debts in its entirety. Further I request verification of the alleged debts, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect alleged debts and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Company Response:
State: AL
Zip: 35020
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: sharing my personal information without my consent and reporting inaccurate information.
Company Response:
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Never received written notification of the old debt. Found it as a charge off on my credit report. Contacted the organization to pay to obtain a goodwill pay for deletion. I made payment to the collection agency and they never sent me a receipt showing that I paid and that they would do the goodwill receipt and that was a deceptive practice just to get money from me and is further impacting my changes of obtaining my current underwriting of a mortgage. I paid with my debit card showing I paid but they have not sent me the information of receipt ad promised
Company Response:
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ERC debt collection company is reporting this account to my credit report stating that spectrum has told me that I owe this debt. However this was a result of Identity Theft that has been tied to police report number XXXX in XXXX County Indiana. I have since completed the proper paperwork with spectrum for them to hand this account but I would like for this to be removed from my credit IMMEDIATELY!
Company Response:
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Company , LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3000.00} the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract bearing my signature nor did I authorize for any service.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2021-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collections opened on XX/XX/XXXX - I have not received on notice or any correspondence of this account. It is now XX/XX/XXXX and I just now get notice thru email because of XXXX. They posted it to my Credit Report on XX/XX/XXXX. On XX/XX/XXXX I received an email alert from my XXXX account. I contacted Enhanced Rocovery to request information on this account. I have never received one call nor a one letter of correspondance on this matter. The address they are saying this is in connection to is my old address I shared with my ex husband and I have not lived at the residence since XX/XX/XXXX. I was told by the person I spoke to at ERC said it was most likely a cell phone debt but I have had a prepaid cell phone plan since XXXX. ERC, collections for XXXX XXXX, I have never received any correspondence from XXXX XXXX or ERC. I have never heard of ERC and I am not certain what or who XXXX XXXX is. XX/XX/XXXX Is the first time I had seen or heard of any account in my name. I was alerted in my email account due to the collections updating to my XXXX account. XX/XX/XXXX at XXXX XXXX I contacted ERC to get as much information as possible on this issue of the {$450.00} that is in collections. I spoke with two ladies. The first lady offered a payoff amount {$370.00}, I wanted to know exactly who and what this account is and for. The first lady said it would most likely be a cell phone account. I informed her I have had a prepaid cell phone since XXXX and that I should not have a collection for a cell phone. I was then placed on hold to wait for a supervisor. The supervisor came on the line and offered me to pay off the entire debt for XXXX. I asked again who the account was for, she said cable, telecommunications companies and that this was for the residence of XXXX XXXX XXXX. I moved out of XXXX XXXX XXXX in XXXX of XXXX which I shared the home with my ex-husband. Most of my time living at XXXX XXXX XXXX my mother had set up my internet and tv in her name and paid it for a long time to help me get back on track. Once she ended the service my ex-husband was working full time and he set up the internet and cable. My ex-husband was in control of finances, and he set up most bills. Once divorce was finalized, I was educated on the different accounts that were unpaid and in my name. I thought I had taken care of any account or credit my ex-husband had taken out in my name. I had no idea what was on my credit until I needed to get a loan for a vehicle after my car was totaled. That was XX/XX/XXXX. I have had excellent payment history for over a year. I have not missed a payment and I have work extremely hard on my credit and finances. Now out of the blue, there is a collection account on my credit. The address that they had for me was, Like I had mentioned I have not lived there since XX/XX/XXXX. The account balance states XXXX but in a 20-minute phone conversation the price went down to XXXX then down to XXXX. Can someone please let me know what the best course of action is XXXX : XXXX XXXX : XXXX XXXX : XXXX The above hyper link is the website I looked at for the information on how to contact ENHANCED RECOVERY CO L Original creditor : XXXX XXXX {$450.00} Balance updated XX/XX/XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$450.00} Balance {$450.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? If inaccurate information appears on your report, you can contact the lender directly to have it corrected or let us know online or by mail.
Company Response:
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A