Date Received: 2021-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Every three months XXXX XXXX XXXX sales or sends an account to the credit bureaus negatively reporting accounts that do no belong to me. I have been the victim of ID theft, I am teenager and have never used my credit to obtain anything from XXXX & XXXX This is the 6th time my credit account has been defamed for this collection in the last 24 months.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In 2018 enhanced recovered company tried to wrongfully charge me {$1400.00} for unknown charges from XXXX! I am no longer with sprint and no nothing of these charges so I disputed the bill! It was deleted from my credit report. Now it has returned to my report without explanation. I would like ERC to stop harassing me and remove this charge from my credit report
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2021, I contacted ERC regarding an XXXX XXXX XXXX bill that was placed in collections, ( Ref No. XXXX ). I made a settlement arrangement and made payment of that settlement on XX/XX/2021. I was also promised that my file would be updated and the collections removed. I have contacted ERC and is now being told that they were not the original collection agency who placed the account into collection and I would have to look at my credit report to find out who the agency was. I was also told i can contact XXXX XXXX XXXX. I looked at my report and did not see anything. I then decided to contact XXXX XXXX XXXX. I tried for 7 days to get to a rep that could assist me but got the run around ( we no longer have this account, you would have to check with XXXX. When get in contact with XXXX, I was told by the XXXX rep, you have to contact XXXX XXXX XXXX as they were the original account holder ). I am now contacting the CFPB as I am at a dead end.
Company Response:
State: FL
Zip: 33556
Submitted Via: Web
Date Sent: 2021-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovered Company trying to collect debt {$1100.00} which is not mine. They bought this debt from another company that tried to collect last XXXX of 2020 this company put a collection on my credit report which I disputed and it was removed. Now Ehanced Recovered Company just put collection on my credit for {$1100.00}, I to them that this account is not mine, I asked them to provide proof that the account is mine they wouldn't give me any proof. Instead they have ruined my credit with collection account. They're trying to scare me into paying for a debt that I don't owe, because they believe that they have the power to distory my credit. Something need to be done about these companies.
Company Response:
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: MA
Zip: 02143
Submitted Via: Web
Date Sent: 2021-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I ORDERED MY CREDIT REPORT AND SAW THIS COMPANY ON MY REPORT SHOWING THAT I OWED MONEY.I HAVE SUCCESSFULLY PAID OUT THIS COMPANY AND RETURNED THEIR EQUIPMENT.
Company Response:
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I noticed a collection notice from ERC on behalf of XXXX XXXX XXXX for {$2900.00}, this is incorrect and I would like it disputed. I disputed the same issues with another company in the past and it was removed. ERC has not been helpful in removing this or verifying any details to prove that I owe this debt.
Company Response:
State: RI
Zip: 02910
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received the response from Enhanced Recovery regarding my dispute. The company advised they stopped collection efforts ; however, the debt is still reporting to my credit. At no time have I received a fraud packet that is mentioned in the companies response. I hired an attorney and that packet was not received by my attorney when I originally disputed the debt. The attorney received copies of phone bills that DID NOT HAVE MY NAME. No contract has ever been made with XXXX in my name. I have never had a XXXX phone number or account. Again, when I called XXXX years ago they advised the file was NOT in my name and the social security number did not match mine. It wasn't until years later I discovered that XXXX changed the account name to match my name. The account continues to report to my XXXX credit Bureau report. I do not owe XXXX for a phone bill. the validation of this debt has not yet been received. Additionally, any original contract will prove the debt is not in my name.
Company Response:
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A