Date Received: 2020-06-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have contacted ERC direct in an attempt to validate the information being reported on my credit report to no available. I had to do research to obtain the correct mailing address as the address being report on my credit report is incorrect. They did not respond to my request for information in an attempt to validate the alleged debt by they verify this subterfuge as being accurate. This inaccurate, erroneous reporting is hurting my ability to obtain credit and my financial wellbeing. This alleged account from XXXX has already been removed from XXXX but not XXXX. If they don't answer me how to I know this account was ever investigated? Not sure that company name they are legally doing business under.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I did not own this debt, I dispute it before and it was remove from my account, and it reappear in my account again, I have ask for validation of the debt they refuse to valid account. Now they place it on my credit bureau coursing my credit to drop.
Company Response:
State: OR
Zip: 97305
Submitted Via: Web
Date Sent: 2020-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ERC a debt collection agency is trying to collect a debt that I do not owe. They sent me a collection letter for the first time without any phone call. I didn't authorize nobody to use my information. They are collecting an amount of {$3100.00} from an assumed balance of {$1500.00}. This company have base in Pennsylvannia.
Company Response:
State: PR
Zip: 00957
Submitted Via: Web
Date Sent: 2020-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
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: XX/XX/18 incident date XXXX XXXX XXXX XXXX XXXX Amount charged {$2800.00} with 26 % interest revolving -MALPRACTICE ON A MINOR. -NEGLIGENCE FOR FAILURE TO A INITIAL CONSULTATION. -NEGLIGENCE FOR FAILURE TO PRIOR ACCURATE MEDICAL ANALYSIS OR HISTORY CHECK. -MALPRACTICE FOR INCOMPETENCE POOR PERFORMANCE. -INTENT AND DENIAL TO RIGHT TO CANCEL CONTRACT WITH A LESS THEN-24 HR NOTICE. -REFUSAL TO COOPERATE COMMUNICATION LESS THEN -24HR AFTER PATIENT REQUEST TO CANCEL. FAILURE -BUSINESS CONTINUED PAYMENT WITH INTEREST FOR NO SERVICES RENDERED.
Company Response:
State: CA
Zip: 92544
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company trying to collect on debt not owed. Collection of XXXX on my credit report
Company Response:
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This letter is a formal compliant that you are reporting and incomplete credit information. According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office.
Company Response:
State: KS
Zip: 66102
Submitted Via: Web
Date Sent: 2020-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a signed contract not any contract with Enhanced Recovery. I have never done business with this company. I am not liable for collection from this debt from XXXX. I am not responsible for this dent with Enhanced Recovery.
Company Response:
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I did not have a signed contract or any contract with Enhanced Recovery Company , LLC. I have never done business with this company. I am not responsible for this debt from Enhanced a Recovery Company, LLC.
Company Response:
State: FL
Zip: 33127
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This was removed off of my credit report due to my identity theft and magically reappeared recently after it was proven there were fraudulent charges on my account with no resolution. My account was locked with XXXX so my identity would have to be shown or proven and there were 4 fraudulent XXXX added to my account and my account was changed without my permission in any way and they didnt do anything about it so I switched providers! How did it verify it was deleted off my credit report and now its there again?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 140XX
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-19
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE Please delete this account from all 3 credit bureaus immediately. I would also need a copy of your Tax Registration Certificate!
Company Response:
State: AZ
Zip: 85027
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A