Date Received: 2023-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Upon checking my credit report. I see that your company is reporting that i owe a debt from the original creditor of XXXX XXXX XXXX. I do not know anything about this debt. I never had a XXXX XXXX XXXX account and never will. I am a victim of identity theft and had one through different things to get my credit repaired due to these fraudulent accounts. I am asking your company to send the debt back to XXXX XXXX XXXX so i can handle this personally with the company and not a collection agency that i nevered heard of. I will attach a police report to this also.
Company Response:
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company attempts to collect debt that I am not aware of. I mailed a debt validation letter and previous company sold the debt to another collection agency without my consent of my personal information being sold from one agency to the next!
Company Response:
State: FL
Zip: 34287
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Greetings, I have a complaint that includes two businesses. XXXX claims that I owe them {$230.00}. So the first complaint is that XXXX has commited identity theft by sharing my confidential information without my consent per 15 USC 6801, 6802 and 1681 ( b ). They have violated my privacy and my confidential information to outsiders not affiliated with the company, ie ; stock holders, owners, subdivisions of the company or employees. My information was then purchased by a debt collector ERC who has been contacting me since XX/XX/2023 Reference Number : XXXX in the amount of said {$230.00} debt. In the form of a letter. Which was purchased from XXXX without my consent. I've also received numerous phone calls since that period. So I decided to send them a validation letter, cease and desist letter and a 30-day affidavit of truth all certified mail : XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. I received the green card and they received my notice XX/XX/2023. Since then i have received 5 phone calls from ERC XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 and today XX/XX/2023. I also made the aware in my affidavit that it would be {$1000.00} per occurrence and they still continue to harass me. My affidavit will be alive and active and I will be looking to obtain my remedy for the violations this company has committed against me the consumer and person. They are not on my credit report but XXXX is as a collections account. I also have a copy of the documents that I sent them. They have the originals notarized and signed.
Company Response:
State: FL
Zip: 32967
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: ERC has reopened a {$75.00} debt collection for XXXX XXXX in XX/XX/XXXX that was previously paid/closed in XX/XX/XXXX. ERC never provided a notification of any ( no correspondence via, email, or phone ). Furthermore, the records show this was also closed in XXXX. My credit score has been negatively effected.
Company Response:
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. are financial institutions by definition ENHANCED RECOVERY CO under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. are the financial institutions and the ENHANCED RECOVERY CO consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an ENHANCED RECOVERY CO explanation of how the consumer can exercise that nondisclosure option. Never informed me of my right to exercise ENHANCED RECOVERY CO.my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. I have been paying this debt as it is taken directly from my paychecks. I need these off of my credit report asap This is a third party collection agency whom I have no obligation to.
Company Response:
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Received a call on XX/XX/XXXX from ERC debt collector. They said I owed {$2000.00} and the debt was from XXXX XXXX XXXX XXXX. The debt was from XX/XX/XXXX. This was the first I was hearing about it. I also called the XXXX XXXX XXXX fraud dept to report this and completed the forms. I let them know this was not my debt, the name on the debt was in my maiden name. Last year someone used an ID with my maiden name and opened a XXXX acct and a XXXX account as well. They attempted to open an account and purchase phones at XXXX in XXXX of XXXX, but because I am a XXXX customer they called me to see if I was in the store purchasing phones and I let them know I was not. They informed me someone was in the store using an NV driver 's license with my old name and also an old address of mine and my SSN. The DL number did not match however
Company Response:
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. ail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. This is my third time disputing the following accounts reporting on my credit report. According to15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies section ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The following account was not made by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As I sated in previous dispute these account wasn't made by me, so these account is reporting inaccurate on my report which my credit report as inaccuracy and need to be removed, it's affecting my life and my privacy XXXX XXXX
Company Response:
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello, To whom this may concern I never had sprint service and I have {$1700.00} dollars owed to ( enhanced recovery company ) it was opened XX/XX/2021. Im lost please I need help to resolve this its affecting my credit.
Company Response:
State: TX
Zip: 77506
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Tracking number XXXX Account was sold to debit collectors without my knowledge and consent. My rights were violated. As result request for deletion on credit profile
Company Response:
State: PA
Zip: 19132
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was informed of a collection account with ERC through credit karma after it was reported to the credit bureaus. I received no phone call, no email, nor did I receive a letter in an attempt to notify me of this account before reporting to the credit bureaus. The account itself was wrongfully opened by a telecom company who did in fact receive their returned equipment. In my attempt to reconcile, their agents were aggressive and condescending and lied about tactics used to establish contact
Company Response:
State: LA
Zip: 70123
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A