Date Received: 2020-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Companies involved in filing this fraudulent claim against me twice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount of fraudulent claim : XXXX On XX/XX/XXXX and Individual : XXXX XXXX fraudulent used my SSN to obtain cellular Service from XXXX XXXX in XXXX, AL. Her birthday, address and name did not match mine, which leads me to believe that no one asked to see her identification before granting her this fraudulent account. In XXXX I joined XXXX XXXX and noticed a collection had been filed against me by XXXX XXXX XXXX. I was successful in removing this from my bureau at this time. However, they filed the same claim against me again in XX/XX/XXXX through XXXX XXXX through XXXX XXXX XXXX again i was made aware of this through XXXX XXXX. I am in the process of removing this claim again. So far, I have had to verify where I lived in XXXX, file a police report, and provide them with a copy of my birth certificate and driver 's license. I also had to provide them with my address, an address i have lived at for 34 years. Since providing them with my address they are now sending correspondence to XXXX XXXX, ( the person that used my SSN # to obtain the account placed into collection ) to my address. I did not open the correspondence and placed return to sender no one lives here by this name on the envelope. Surely, there are steps i can take to stop them from continuing to ruin my good name and credit. I am a XXXX XXXX XXXX woman, working as a real estate agent during a pandemic as an essential worker, caring for an XXXX XXXX XXXX mother, while maintaining and running my home. This is beginning to wear on me. I need help. Please advise of my rights and provide me with any information you can to make these people leave me alone. Thank you,
Company Response:
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: received letter from ERC stated I owe XXXX to XXXX XXXX XXXX XXXX which I never had an account with and that has been placed with ERC for collection.They offered discount for {$660.00} and I can pay it with cash at XXXX pharmacy or XXXX store or mailed.They gave me account number and reference number.Had never account with XXXX XXXX XXXX, tried to call number provided but can not reach anybody.Letter tell me that I can dispute the validity of this debt with I never had any relation with that company if I dont dispute it will be consider valid and reported to credit bureu.
Company Response:
State: CA
Zip: 95842
Submitted Via: Web
Date Sent: 2020-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have never been under contract with either of the companies and they keep reporting inaccurate information on my account while I am in the process of homeownership, further putting me and my family behind during a worldwide pandemic, causing stress that is unneeded. Ive reached out to all companies with zero response and everytime its disputed off of my credit history it reappears. Enhanced Recovery Company - XXXX XXXX XXXX XXXX XXXX, Florida XXXX - XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN
Company Response:
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I owe an XXXX XXXX XXXX Mobile Debt and when I contacted the collection line I authorized a {$25.00} payment. They took {$120.00} out the automated system asked me if I authorized then a convenience fee of {$99.00}. I selected the option for No and they charged me an extra {$100.00} without my authorization.
Company Response:
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was notified of a derogatory mark on my credit in the amount of XXXX dollars. This Mark was from the company Enhances Recovery Company on behalf of XXXX XXXX XXXX issued on XXXX XXXX XXXX. The issue is I havent had an XXXX XXXX XXXX account since XXXX. I attempted to dispute this mark, but was told that the mark was accurate, which is untrue.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced recovery has added an account showing me as being delinquent with them. I have never contracted to do business nor are they in receipt of any such request on my behalf. I just sent them a cease and desist letter because of the following : Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. Please explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information from them because I have some questions. I need to hear from them to make an informed decision about your claim that I owe this money. I am open to communicating for this purpose. In order to make sure that I am not put at any disadvantage. Please remove this entry until all research and validations are completed. I have no idea who they are.
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My XXXX XXXX XXXX phone service had technical difficulties from the start..i had many issues and my service rarely worked. I contacted XXXX XXXX XXXX repeatably about my issues and they were never able to solve them. Then surprisingly My phone was lost and i used insurance to get a new phone. My bill always seemed higher than I was told and they shut me off because my balance was over {$500.00}. I couldnt make payments they wanted the balance in full which i could not afford. I had problems with my service since day 1 and had no luck working with XXXX XXXX XXXX. There was no way i was going to come up with a lump sum of {$500.00} so i was forced to get a new carrier. I made it clear from the start i was not satisfied with no resolution. Now this debt collecting agency is damaging my credit so bad I dont even have a FICO score. This company is calling my mothers business and harrassing all of my family. I have been laid off and am trying to take care of what i can but this company is threatening and harrassing. This is not right at all. Their tactics are unprofessional, damaging and unethical in every way. On an account that is CLOSED they are still reporting it late every month on my credit report. How can they do that? It is lying.
Company Response:
State: MN
Zip: 563XX
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Previously contacted Enhanced Recovery Collection on XX/XX/2020 with a letter of validation of debt as stated on the FTC website. The amount of 30 days has passed and I did not receive any form of communication on their part.
Company Response:
State: CA
Zip: 90723
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: The correspondence began on Thursday, XX/XX/2020 when a relative contacted me stating that a XXXX XXXX from " ERC '' called them on their personal number about a " personal matter '' for me. The relative disclosed that they were not me and that, that was the incorrect contact for me. XXXX XXXX left a call back number. When I received this phone call from my relative I was puzzled as to what " ERC '' even was. Upon a XXXX investigation I discovered that " ERC '' was a debt collection agency. The relative has received more calls since then. This contact information was never used in the past or currently for me. On this morning, Thursday, XX/XX/2020, I received notification from XXXX that a {$300.00} collection from " Enhanced Recovery CO L '' was added to my file. I'm assuming this is the same " ERC '' that contacted my relative on their personal number. I've done further investigation and concluded that this debt was from an old collection with XXXX that was removed from all 3 bureaus in XXXX of XX/XX/XXXX. It has now returned, but under a different agency. I've attached the screenshot of how it appears on my report. On my report, there is a contact number listed, but upon calling the number it is disconnected. Another inaccuracy. I finally found a working contact number, called the company to try to gain insight on why they are now reporting this on my file and the representative was highly unprofessional and constantly asked for my Social Security Number, which I did not feel comfortable providing. I am asking that this information be disputed and removed as I am in the process of buying a home and it is hindering my progress and credit worthiness.
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A