Date Received: 2021-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.
Company Response:
State: MD
Zip: 21216
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a letter from collection Agency ERC that I have a debt with XXXX for the amount of {$890.00} but that they reduced it to {$440.00} I have never had a XXXX account and if there is an account under my name it must be identity fraud. Reference number on letter I received XXXX
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 Enhanced Recovery, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 XXXX XXXX XXXX. added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX referred a debt of {$61.00} to a collection agency without notifying me that the debt was ever owed. I logged into my XXXX account via their website and at no time or do this day does it suggest I owed any money. It displayed a XXXX dollar balance. They referred this to a collection agency which never contact me about it either. Collection agency : XXXX XXXX XXXX -XXXX FL XXXX reported this as a collection account for 6 months ( starting XXXX ) to all the credit bureaus without contacting me regarding this apparent debt that I was not aware existed. Negative financial and career impacts from having negative informaiton on an otherwise clean credit history is significant. This item needs to be deleted from all three credit reports as many laws were broken regarding notification of debt and also notification of collection account.
Company Response:
State: MI
Zip: 49024
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XX/XX/XXXX I received a call from Enhanced Recovery Company, informing me I have a collections balance of {$630.00} from an original creditor XXXXXXXX XXXX XXXXXXXX I notified them I never had any accounts with such a company and I have no outstanding balances. They were no help to me in resolving this issue. Upon checking my credit report immediately after this phone call, I saw that this derogatory remark was indeed on my report. It showed that this Account was open on XX/XX/XXXX. I did not open this account or request any services from this creditor. I do not know how they obtained any of my information and or added any balances to my credit report. Please help me remove this fraudulent account off my report as soon as possible because it is degrading my credit score and my financial credibility.
Company Response:
State: NY
Zip: 11223
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received notice that my credit score had dropped due to a collection account in XX/XX/XXXX. I logged into XXXX and found a collections account for XXXX XXXX XXXX for {$5800.00}. I originally thought this debt was not mine and submitted a complaint that I did not owe this. XXXX agreed with me and removed the debt from my report. In XX/XX/XXXX it popped up again with an new collection company Enhanced Recovery Co. I disputed this again. Except this time they sided with the collection agency and said I owed it. I did some research and found it was a collection from XXXX for an unpaid bill. This was news to me because my XXXX bill was paid in full monthly and I never missed a payment. I found that the account in question was a closed account with XXXX when I updated my last phone. XXXX started a new account and closed the previous one out. In XX/XX/XXXX someone had ordered 4 XXXX XXXX, a XXXX XXXX XXXX, and a XXXX watch under the old account number associated with me. I never received a bill or notice this had happened until it went to collections. Now I have been fighting to get it removed my credit report. In XX/XX/XXXX I called XXXX to have the debt disputed. They agreed over the phone this is not my debt and my current account is in good standing. I submitted a fraud dispute on their online dispute center and never heard back. In XX/XX/XXXX I called XXXX to question the last result to not remove the debt. They filled a fraud dispute and told me to file a complaint with the FTC. I have attached the bill of the account that was fraudulently used to purchase the equipment in my name.
Company Response:
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I pay a settle of XXXX on XXXX, the total was XXXX. I was told that would not show up on credit report well it does causing me higher interest rates. It will show up on report untilXX/XX/XXXXi was told would not. If i would have know that would have pay full amount. The interest rate of 2 % I would get without that on there. But a 6.9 % causing me hardship on a loan because they lye to me. In these times of COV-19 causing me so much hardship.
Company Response:
State: ND
Zip: 582XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery Co L and others on behalf of XXXX continually revive and report to CRAs a debt that has defaulted from a completely different account unrelated to me or my bills. Despite being removed prior by the CRA 3 times over a 6 year period, every 12-24 months, the same debt fraudulently appears again, despite having been proved not to be mine multiple times.
Company Response:
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: When we closed the account I asked by total balance to be paid. I did pay them the total amount. Later, they come back with a new balance due. I told them that I already had talked to someone else about it and paid them. I gave them the name of the people who I spoke with and asked them to check their notes. Then, they said that they will remove the new charges. Months later, I got a letter from a collection company. I had to pay them again the same debt so they could report it to the credit report.
Company Response:
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A