Date Received: 2021-08-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: When I initially contacted ERC on the XXXX or XXXX of XXXX it was to negotiate a settlement for a debt owed to XXXX XXXX XXXX. I spoke with two agents ( XXXX XXXX and then XXXX XXXX ). XXXX was the supervisor because XXXX didnt want to my agreement amount. First, XXXX asked personal information about my job and income which I refused to provide. Second, he didnt follow my instructions on where to send the agreement letter. So I didnt receive it in a timely fashion. Luckily I was able to intercept the letter, but it was two days before the due date that HE set when I asked for it to be set to the XXXX. I then called back today on the XXXX to see if an extension could be filed or if the balance agreed of {$46.00} could be handled over the phone. They didnt accept my credit card type so nothing could be done. I asked the young lady ( XXXX XXXX ) if she could email a new letter with the settlement agreement of {$46.00}. The email doesnt even state that amount ; it has the original debt amount of {$92.00}. Im not trying to go back and forth when I called them to settle. Now sending the letter to the wrong address was underhanded and deceptive. I now have two days to get a payment to them.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I checked my credit report and there is a debt that was sent to a collection agency ( ERC ) in the amount of {$130.00}. The original creditor is XXXX XXXX XXXX, which was my service provider a number of years ago. When I switched providers, I called XXXX XXXX XXXX to close my account and paid my balance in full at that time. I received an additional bill after that, and as soon as I received it, I called XXXX XXXX XXXX and inquired what it was for. I was told that me account was still open, and as such, I owed them that $ $ . I explained that I closed my account weeks before, but they stated they had no record of it and that the debt was valid. I made 1 more attempt to have this corrected, but was told the same thing. At that time I decided that they were not going to remedy the situation and I have not contacted them since. Upon checking my credit report ( s ), I found that this listed as a delinquent account that had been turned over to a collection agency ( ERC ) on XX/XX/19 and not paid. I left XXXX XXXX XXXX a number of years ago, which was years before this was placed in collections. I had no idea it was on my report, and as well it shouldn't be. This is an invalid debt that XXXX XXXX XXXX states I owe ... .I do not ... .THEY WERE PAID IN FULL!!!!! I ensured that I paid the balance in full before parting ways with them ... .my balance was XXXX when I left. I was unaware that this was turned over to a collection agency until a month or so ago, and I've not contacted them ( neither XXXX XXXX XXXX nor ERC ) about this. In addition to this being a fraudulent charge, the date it was placed into collection was years AFTER I left XXXX XXXX XXXX. I disputed this debt via XXXX XXXX a month ago, but was told it was a valid debt, and would remain on my report as such. I'm not sure how XXXX XXXX validates a debt, but I think all they do is contact the company and ask them ... .no investigation was done at all, otherwise it would have been removed. At this time I'd like this to be investigated by your agency. I believe this borders on criminal, in the fact that they're attempting to collect monies not due to them, which they're fully aware of. I'm requesting ALL contracts signed by me, ALL written and verbal conversations I've had with them and also the names of the employees who were supposed to close my account upon me requesting them to do so. I also request that you look at the date it says it was put to collections, and also have ERC provide all written / verbal correspondence I've had with them ( I never had ). Please have them also explain why the date is XX/XX/19 when this was opened by them ... ... years after this account was closed. I believe this an attempt by them to tarnish my credit, and is being done so blatantly and maliciously. Trying to collect a debt that is not owed is extortion ( I believe ) and should be addressed by both companies. I can not hire an attorney due to financial constraints, but if this isn't corrected, I'm going to lodge a complaint with the XXXX ( for both XXXX XXXX XXXX and ERC ) ... .I 'm not going so now as to give them the opportunity to correct this. A big company like XXXX XXXX XXXX should not need to extort money from anyone ... .it should be run professionally and without malice against someone XXXX dropped their service to go to another, better service provider.
Company Response:
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: They company contacted me while i was at my place of employment without prior given consent about an alleged debt of my recently passed over father. The company agent XXXX ( employment id # XXXX XXXX stated that they are a third party debt collector and this was an attempt to collect a debt. I know firsthand that i never gave this company my information or approved any institution to distribute my information to this company. This is a violation of many laws protecting my rights as a consumer as well as my right to privacy. Below is a list of the direct violations under federal law according to Title 15 U.S.C.1692 15 U.S.C. 1692b ( 5 ) 15 U.S.C. 1692c ( a ) 15 U.S.C. 1692c ( 1 ) & ( 3 ) 15 U.S.C. 1692d ( 5 ) 15 U.S.C.1692e ( 10 ) This company is aware of the civil liability they have under 15 U.S.C. 1692k.
Company Response:
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2021-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear CFPB Team, I am writing to you today because I truly need your help in removing an inaccurate collection on my credit report. The original creditor was XXXX and I now have a collection on my XXXX report from a charge off collection agency called " ENHANCED RECOVERY COMPAN '' The incident that occurred happened over 3 years ago. I was upgrading my cellular device and the XXXX representative from a franchise XXXX store told me that I had to change my cell phone number in order to upgrade my phone. I off course didn't know better and I thought that was part of the process. It turns out that they basically opened a completely new account and closed the old account that I had without my knowledge. I later called XXXX customer service the same day because I suspected something was wrong and the entire experience felt very suspicious. They explained that the third party XXXX store did fraud with my account and closed my original account without my consent and opened a new one because according to the customer service rep the store sales people get paid more in commission with new accounts. XXXX informed me that because this was fraud they where not going to issue any charges on closing the old account. Well fast forward and I learned that the account was still being charged and sent to collections. I have tried contacting XXXX about this without any resolution. I never saw a notice regarding this neither was I aware of this collection because it was fraud done from a third party XXXX franchise store and according to XXXX I was not going to be charged. That is why I am writing to you cfpb team. The collection is completely inaccurate and fraudulent. My attempts of removing this collection has been unsuccessful and it has now appeared back on my Credit report. I would please ask that you help me remove this collection asap. I am a very responsible consumer and my credit health and worthiness is very important to me. I have 100 % payments on time and I always ensure that I am being responsible with any new loans or debt that I acquire. I always pay them back. This unlawful collection is hurting my credit score that I have worked so hard to build and maintain. Please help CFPB. I can only assume that I am a very little and small problem compared to all the complaints that you receive. But what has happened to me is wrong and it should not happen to anyone specially when I have been so responsible with my payments and credit. Sincerely yours
Company Response:
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I learned after attempting to apply for a new loan my credit score was being effect by a collections agency for XXXX XXXX for {$51.00}. ERC is the debt collection agency. I did not know of this debt at all it's from a disconnect in XXXX and it was sent to collections in XXXX and this is the first I have known about it. I need to clear the matter so they settled it for {$33.00} and I asked for a letter that this is paid in full and that it will be removed/deleted from my credit. They refused only saying they don't do that and that they would send a letter confirming paid in full. I'm disappointed as this hampers my opportunity to get a loan at 2.275 % now my rate will be 2.99 % just because they would not be willing to note in the letter that this would be removed from my credit. I am very upset this is the only report on credit. Can you help. I did pay it off today XXXX
Company Response:
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. 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 have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response:
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a validation dispute letter to Enhanced Recovery Company on XX/XX/21 to validate an account that they placed on my credit report on XXXX and XXXX. They have not responded as of today. I also contacted XXXX, which on the credit report is stating was the original creditor, and they have no records of this.
Company Response:
State: CO
Zip: 80214
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I sent disputes regarding a delinquent account and never received a response from Enhanced Recovery Company, it has been over 30 days. My FCRA/FDCPA rights have been violated for failure to respond in a timely fashion and failure to delete inaccurate/erroneous information! Date Opened : XXXX is not reported ; XXXXXXXX is XX/XX/2018 ; and XXXX XXXX is XX/XX/2018. 2 different open dates how is that possible Please explain?? Payment History Profile fields are inconsistent and inaccurate They have all failed to report accurate and complete information on my credit file after several disputes. I sent them a debt validation letter over 30 days ago with no response. Please help me investigate this matter, I am getting denied for a home loan because of this account and would like this matter resolved as soon as possible. I would like this account deleted while it is being properly investigated. They negligently and willfully violated the FCRA by failing to properly investigate the dispute or review the letters that were submitted. also upon further research this company has over 500 complaints on CFPB and multiple complaints with the CFPB Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney
Company Response:
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2021-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A