Date Received: 2020-09-30
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. Item # 1 : I dispute Enhanced Recovery CO L Balance {$170.00}, account XXXX. This is not mines. The company didnt send me any notification of debt. This is required by law. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. Thank you for your prompt attention in this matter. Respectfully, XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, my credit monitoring services told me about a collections action registered against XXXX for {$59.00}. Aside from the fact the collections agency 's number in the filing ( ERC in XXXX, FL ) was not working, I searched the internet and found them. After contacting them they immediately had my current address and the address of one of my businesses and claimed that I had an unpaid bill of {$59.00} to XXXX XXXX XXXX ( now XXXX ) from XXXX! I then called XXXX ( which I have an active account with, meaning they know how to find me. They found my current account and they claimed the bill was for unreturned equipment from my previous account in a house I moved out of in XXXX. I had returned the equipment, in fact I simultaneously canceled my account in person while I was returning the equipment. My main issue is that I have had XXXX XXXX accounts in several places ( XXXX, TX, and a current one in XXXX, TX ) yet the first information I get regarding this almost 7 years old alleged issue is from my credit reporting service. As well, the credit reporting agency IMMEDIATELY recited my current home address to me when I Called, yet sent no notice via mail before reporting this to XXXX. Additionally, XXXX confirmed with me that they had both my telephone number and my address at my XXXX account and again no attempt was made to contact me. As well, after I had closed the account, I rented my house for 1 year after, and my tenant was very dutiful in giving me any mail that arrived at the house in my name. And at no time did I receive any mail regarding this. XXXX claims they are going to search for this device as it may " not have been scanned in '' as they claimed, but this account was closed in XXXX. At this point no attempt had been made to contact me regarding this issue and now this exists on my credit report at a time when I would like to refinance my house. It also seems that a New York congressman wants an investigation into this very practice of XXXX : https : XXXX So it seems this is a growing concern for more people than just me. I am an honest person and have well over an 800 point credit score. I have had forwarding addresses for my mail and they even admit they know my address and phone number. It is egregious and reprehensible that I would be notified of an issue from XXXX by a collections action on my credit report with no earlier attempts to notify me of an issue in light of these facts.. especially when the XXXX rep I spoke with said they would not have let me create a new account in XXXX unless I had resolved the alleged unreturned equipment issue. Now it will most likely take many hours of my time to resolve this and expunge the record from my credit. For some reason, it doesn't seem likely I will receive compensation for this, and if I demanded this and they didn't pay I don't have the ability to place this on THEIR credit report. The statute of limitations for debt collection is 4 years in Texas usually from the last payment that was made so it is illegal for there to be a collection action almost 7 years after their failure to notify me in a timely manner of an account that was closed in XXXX. If I can not get this removed from my credit report ( which erroneously states the debt was owed in XX/XX/XXXX ) this will depress my score for 7 or more years and seriously impact my ability to use credit facilities and could quite likely be an actionable position as I could incur financial losses due to this. I have attached the collections information from my XXXX credit reporting account including the disconnected number for the debt collector ERC.
Company Response:
State: TX
Zip: 78633
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are some accounts on my credit report that are not mine and reporting twice and believe this is an act of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I sent a letter to the Enhanced Recovery Company asking them to validate by signature that a specific invalid debt account was mine as this is not my debt account at all yet it shows on my credit report. I have also previously submitted a complaint to the cfpb as well. They responded that they sent documents including the lease/contract containing my signature. I received the documents but the documents did NOT contain the contract with my signature so it seems like they are now lying and putting this debt on me. The documents basically were only a bill and a summary of what that bill contained. This is extremely unfair as this is not even my debt account
Company Response:
State: TX
Zip: 78238
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: TODAYS DATEXXXX ENHANCED RECOVERY CO L XXXX In response to CFPB:XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ENHANCED RECOVERY CO L XXXX any company associate with this account # ENHANCED RECOVERY CO L XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ENHANCED RECOVERY CO L XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX
Company Response:
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced Recovery Company LLC d/b/a ERC is trying to collect on a debt that was fully paid on XX/XX/XXXX. In XXXX I had an account wth XXXX XXXX ; The account was closed and paid in full on XX/XX/XXXX. I returned the modem and cables to the XXXX store located on XXXX XXXX XXXX XXXX, FL. the account rep accepted the equipment and said everything was closed and paid in full. On XX/XX/XXXX I learned that Enhanced Recovery Company LLC d/b/a ERC placed a collection for {$100.00} in my credit report. In the credit report states the original creditor is charter communications. When I called charter customer service they said XXXX was sold to charter communications and that some of the data transfers from old clients may not have transfered correctly and she said the office on on XXXX XXXX XXXX XXXX, fl had closed down and she she could not help me. After attempting to get this corrected with ERC and XXXX XXXX, they are not responding so I am filing this complaint to demand that all collection activities stop immediately and all collection accounts removed from my credit report since the account was paid in full in XX/XX/XXXX.
Company Response:
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: to whom it may concern below are a list of accounts that are reporting fraudulently on my credit report 1 ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX ) ENHANCED RECOVERY COL {$570.00} XX/XX/XXXX
Company Response:
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Enhanced Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed this debt. I called immediately and paid the debt off. i never received any phone calls, collection notices, or letters and I'm pretty sure that violates my 30 day right to dispute.
Company Response:
State: UT
Zip: 84116
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi ERC ; I'm on the phone with the ERC representative XXXX XXXX Desk # XXXX and she said that the account was opened in XXXX Texas for XXXX and the remainder balance of {$1200.00}. First of all, I never lived outside of Massachusetts, and the variation of my name doesn't match what they have in the system. This error entered on my credit profile is costing me {$1000.00} 's of dollars because my credit score has dropped -87 points from 800 's into back in XXXX. I need this remove and any addresses associated with this fraudulent address. Again, this account doesn't belong to me and I need this permanently deleted from my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
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'm also aware the credit bureaus have been given an additional 15 days which has also past ( exhausted ). I haven't received any investigation results.
Company Response:
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A