Date Received: 2020-09-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Due to the Coronavirus pandemic, we are now in receipt of your results. On the onset, you stated and I quote ; We take compliance with all applicable state and federal laws very seriously. In this circumstance no contract with XXXX is required to validate the account. We are a nation of laws. The misrepresentation of XXXX XXXX is egregious based on the fact that they only provided an alleged ledger. XXXX provides a relation back theory to substantiate a dispute in this circumstance. Therefore, if CFPB refuses to compel XXXX XXXX, to turn over the material verification documents ; then I, demand that XXXX XXXX provide an application with my signature on it that demonstrates myself seeking any form of financial help or credit from the original lender or the aforementioned downstream lender in order for them to properly validate that this account belongs to me. My records indicate that I have not received any such notices from XXXX XXXX to come to court in or around XX/XX/2017. Therewith, it appears that XXXX XXXX gained a judgment without prejudice, based on no appearance opposed to what XXXX XXXX alleged. Addressing court records, I was never served a complaint or summons at any time. My dispute remains clear. This account was not initiated, nor an application signed by me, seeking any services. Conclusively, provide me the controlling document in this dispute which is either contract or application with my signature on it, which sought credit from the parties listed herein.
Company Response:
State: IL
Zip: 60440
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Contacted ERC about questionable debt Was told it was with XXXX XXXX XXXX XXXX From over a year ago Then was told it was from a bill in XXXX Called XXXX XXXX XXXX agent went over payment history for the last year Their records showed no missed payments
Company Response:
State: TN
Zip: 37920
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I'm unaware of this debt and did not have the opportunity to dispute. Also, please provide Assignment of debt, Method of Verification and Validation of Debt ENHANCED RECOVERY CO # XXXX
Company Response:
State: OH
Zip: 44109
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: The company listed above, states that I owe them {$170.00}. I have never had service with the listed company, so I am not sure how they are claiming that I owe this amount. This seems to be a collection company. This company seems like are just trying to collect money from random people. I am requesting help to get this resolved in a timely manner.
Company Response:
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2020-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-30
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. Also, I am aware that the credit bureaus have been given an additional 15 days due to COVID-19 and that time frame has also passed. I have not received any investigation results and it's well past 60 days.
Company Response:
State: WI
Zip: 53206
Submitted Via: Web
Date Sent: 2020-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern : Enhanced Recovery Company is reporting an " alleged account '' with a balance of {$170.00}. This account was never validated and is in violation of the FDCPA and of my Constitutional Rights. Please delete asap. Thank you.
Company Response:
State: IL
Zip: 60625
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ERC collections has not proved that I owe debt. Was never notified before sent was placed on credit. Never got opportunity to take care of debt. Never proved debt was mine.
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2020-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A