Date Received: 2020-11-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THE DATE WAS XX/XX/XXXX XXXXINQUIRIE IS ON MY CREDIT REPORT THAT I DONT RECOGNIZE AT ALL..I WAS TOLD TO REPORT TO FTC..
Company Response:
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, ENHANCED RECOVERY COMPAN add a collection on my credit report per XXXX and XXXX.
Company Response:
State: CA
Zip: 92203
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I haven't received any investigation results.
Company Response:
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I disputed the debt in writing to the company but they keep contacting me by phone to try to collect the debt without validating the debt to me first.
Company Response:
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX, believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX ENHANCED RECOVERY CO L ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX
Company Response:
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response:
State: KY
Zip: 40272
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: THIS SHOULD NOT NE ON MY REPORT IT WAS TAKEN OFF BACK IN 2019 AND ALL OF SUDDEN IT GOT RE-INSERTED WITHOUT NOTIFY ME I NEVER RECEIVED ANYTHING IN MAIL ABOUT THIS AND I SEE THEY HAVE A BUNCH OF THE SAME COMPLAINTS SIMILIAR TO MINE
Company Response:
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: It is XX/XX/XXXX and I am in the process of purchasing a home and my " credit score '' has taken a 150 point hit due to a collection/derogatory mark for a {$59.00} ERC Collection. I have never made a " late payment '' nor had anything turned over to collections. My loan company was able to see that the {$59.00} debt was with XXXX XXXX. I currently reside in XXXX XXXX and have since XXXX. XXXX XXXX/XXXX/XXXX does not offer services in my area. I reached out to XXXX XXXX and they could not find an account based on my phone number or address. We reviewed all my past address ' and they found one from XXXX that an " account '' had been set-up but service had never been provided. They could not see ANY MONEY due or any debt owed to them. They told me to file a fraud charge " after '' contacting the collection agency ERC. I contacted ERC and they found the {$59.00} for my address in XXXX. They could not provide ANY information from it as they said they purchased the debt from another debt agency. I have never received any communications with regards to this " debt '' and do not know what it is for considering I NEVER had service with XXXX XXXX/XXXX/XXXX. All contact with ERC and XXXX XXXX happened on Thursday XX/XX/XXXX. It has been over 6 years and I have NEVER received notification of money owed nor direct contact from a collections agency.
Company Response:
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2020-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2020 and XX/XX/2020, I mailed a letter to this company, asking for full validation of the debt they are trying to collect from me and reporting on my credit report. Since I have no contract with this company, Im entitled to know the specifics of this debt. I advised them of their requirement by law to provide this information to me per the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) I asked for the following items. It is imperative that collection companies be required to follow the law, as anyone could send me letters and say I owe them, without any proof. To date, this collection company has not responded to either of my letters, by providing the required proof. Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful.
Company Response:
State: FL
Zip: 33578
Submitted Via: Web
Date Sent: 2020-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company is a collection agency but I informed them that this was a debt from a XXXX worker who didnt turn my equipment in. Instead had cable at my address in there name. I reported to there fraud department I thought this was taken care of because I have XXXX still they had to create me another account
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A