Date Received: 2021-02-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Enhanced Recovery Original collector : XXXX Iv never had sprint as a cell phone carrier this needs to be removed Alleged amount owed : {$4500.00} XX/XX/XXXX as showed on my credit report
Company Response:
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Spoke on phone with ERC on thursday XX/XX/2021 ( XXXX XXXX XXXX XXXX, FL XXXX ) via their phone number XXXX XXXX XXXX about a notice of collection. The bill was paid and verified. I have a reciept. I was assured this was not being reported at the time nor would it be reported on my credit report. I verified this by looking at my credit report. The following day, XX/XX/XXXX it was reported by them on my credit report at XXXX.
Company Response:
State: CA
Zip: 90064
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection company ERC is reporting a claim from an original creditor ( XXXX ) that was opened XX/XX/2020. This claim is false, I believe this claim is due to fraud, I have never had a XXXX account.
Company Response:
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have disputed the same charges with multiple companies!
Company Response:
State: FL
Zip: 33909
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
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: 02119
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX XXXX to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of XXXX ( XXXX ) dollars. The account lists XXXX as the " Original Lender '' and " Enhanced Recovery Co L '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with Enhanced Recovery Co L. I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with XXXX. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.
Company Response:
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hi, I had service with a phone provider ( XXXX ) My services were disconnected on XX/XX/XXXX. My unpaid balance in the amount of {$220.00} was assigned to a collection agency ( XXXX XXXX XXXX ) and I started making payments on this unpaid balance in XXXX of XXXX. My payment arrangement was set up to be 4 automatic payments of {$56.00} beginning on XX/XX/XXXX - XX/XX/XXXX. I completed this payment arrangment and all 4 payments were withdrawn on the below dates : XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} XX/XX/XXXX of {$56.00} There was a auto-payment error on the collection agencies end where the payment for XX/XX/XXXX did not get auto-drafted. I called the collection agency to confirm this and they informed me payment would resume on the following month no issues. After paying my final payment to the collection agency to fulfill my obligations on XX/XX/XXXX there was no communication afterwards between me and the collection agency ( XXXX XXXX XXXX ) or my previous phone service provider ( XXXX ). On XXXX XXXX, XXXX, I received a written collection notice from another collection agency ( XXXX ) that I had a unpaid balance due from ( XXXX ) in the amount of {$110.00}. I contacted my previous phone service provider ( XXXX ) and the previous collection agency ( XXXX XXXX XXXX ) to get an explanation on where this additional balance owed was coming from and why this was not communicated sooner or included in the amount assigned to the collection agency I made payment arrangments with. I have not been able to get a reasonable answer. I believe the amount owed was falsely represented when I made my original payment arrangment in XX/XX/XXXX with the assigned collection agency. I received no communication/notice that additional monies were owed/due from either the agency or my previous service provider between the time I made my last payment on XX/XX/XXXX through the time I received a written notice on XX/XX/XXXX. This balance is now with a third collection agency ERC and was added as a negative debt owed to my collection report on XX/XX/XXXX. I've been disputing it ever since I received the notice on XX/XX/XXXX.
Company Response:
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2021-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I'M IN THE PROCESSED OF REFINANCING MY HOME AND WAS TOLD THAT A COLLECTION ACCOUNT WAS APPEARING ON MY CREDIT REPORT THAT MUST BE LINKED TO MY IDENTITY THEFT CASE FROM SEVERAL YEARS AGO BECAUSE I'VE NEVER HAD AN ACCOUNT WITH THIS COMPANY.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO XXXX XXXX XXXX XXXX XXXX, FLXX/XX/XXXX ( XXXX ) XXXX RE : Collection account : XXXX ( {$550.00} ) 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 can 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 couldA 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. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXXXXXX XXXX XXXXXXXX
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been a victim of identity theft
Company Response:
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2021-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A