Date Received: 2020-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I checked my credit report this morning and to my surprise i dropped 19 points because this company added a collection account to my report. Firstly, I know nothing about this account, I have never had a contract with this company. I was the victim of identity theft I've had to file police reports and even had fraud alert added to my credit reports. I am very upset about this because I am in the middle of buying a home and this has completely set me back due to false claims and no proof sent to me regarding the contract I signed with this company.
Company Response:
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: To Whom It May Concern, The reason for my dispute is ENHANCED RECOVERY COMPANY # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, ENHANCED RECOVERY COMPANY failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) ENHANCED RECOVERY COMPANY failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationENHANCED RECOVERY COMPANY is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where ENHANCED RECOVERY COMPANY is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Company Response:
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2020 I reached out to Enhanced Recovery Company through mailing them a letter about an erroneous debt on my credit report. I simply asked the company for the original instrument of indebtedness and they have not replied. on XX/XX/2020 I tried to reach out again via certified mail to request the same thing and I was not contacted in return. On XX/XX/2020 I notified them that it has been 30 days since I reached out and according to FTC federal law, if a company doesn't try to contact or workout their claim within the 30 day period they must remove it from the consumer 's credit report. I notified them that it has been more than 30 days since I reached out, but there still was no response.
Company Response:
State: CA
Zip: 93305
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Owed XXXX for last month bill. ERC reported to to and I paid that balance in XXXX on XX/XX/XXXX. ERC continued to call and attempt to collect, leaving debt collection mark on my credit. I called and they confirmed it was paid and I owe a XXXX balance. They provided a second receipt when I called to dispute the incorrect reflection on my credit report on XX/XX/XXXX. Company still has not removed debt from my report and still shows it as me owing. I would like the debt removed from my report as promised.
Company Response:
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXX, As a ten year XXXX XXXX customer, I underwent a phone upgrade while adding an additional line to my wireless service. During the process, the free phone purchase was applied to the incorrect line and required XXXX customer service to correct the service lines. Unfortunately, a supposed unexplainable error occurred impacting my account and required numerous finance technicians to correct the matter which unfortunately resulted in major account discrepancies and a sudden balance of XXXX which I was initially informed should be offset or corrected in the upcoming billing cycle. As a long time XXXX customer, I had no reason to question or distrust this answer. it should be noted that XXXX policy requires accounts to be current before processing any upgrades of new line activations. If such balance existed on my account, the upgrade would not have been permitted. Through numerous attempts to correct the discrepancy, XXXX representatives were unable to identify the error, the account was somehow modified with a XXXX balance for illegitimate charges including for the remaining lease of a phone which XXXX required be paid in full in order to upgrade and was done so, yet the next bill reflected a balance for the cost of two phones simultaneously tied to one individual phone line, a circumstance not allowable per XXXX policy. Remaining balance for the remaining lease of the phone was paid in full with cash in store while the new phone was free as part of a promotion with activation of a new line. This was the arrangement I signed and paid for, yet modified during the correction of the phone lines. Numerous attempts to address the issue have been made, but XXXX representatives have been unable to understand the issue as my entire account was modified unexplainably and resulting in account changes that are incorrect, exploitive and fraudulent. A XXXX balance is unrealistic as XXXX only allowed a XXXX credit limit, a XXXX balance would not have been approved under any circumstance and would have been disconnected at the XXXX mark, but in no circumstance would XXXX have allowed me to accumulate a bill that high, the charges were sudden, erroneous and illegitimate and are being pursued fraudulently. As a result of the inability to understand and correct the issue, I was stuck with a XXXX balance and service termination due to my inability and unwillingness to pay these illegitimate charges. XXXX has forwarded this item to collections, and despite numerous requests for validation of the amount and dispute, I am yet to receive any logical explanation or documentation substantiating the issue and have been significantly impacted from a credit standpoint as well as hindering my ability to obtain wireless service from any provider.
Company Response:
State: CA
Zip: 95133
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: So i lost my wallet back in 2012, sadly i had my SS card in it along with my ID. i was currently still under my mothers phone plan so i didn't try to get a phone in my own name but a few years down i tried to go on my own and they said i got denied no telling me at the time nor did i really look into why. So recently i had XXXX XXXX help me out with my credit and they let me know all these collections on my credit from all these phone companies were in my collections so i let them know about what happen and they said they sent letters to the collection agency that had this collection and they did remove one of the collections on my credit but its a total of 5 accounts through out my 3 credit bureaus that is posted for collections and i feel that all of them should be removed completely because none of them are mines.
Company Response:
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: i have tried multiple times to ask for verification of debt on this account which should of been removed from my credit report. because it should of pass the statue of limitation. I haven't heard back from this company.
Company Response:
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection letter on XX/XX/2020 from ERC, XXXX. XXXX XXXX, XXXX XXXX, XXXX, PA XXXX and mailing address ERC, XXXX. XXXX XXXX, XXXX, FL XXXX stating that I had an unpaid balance with XXXX XXXX XXXX XXXX in the amount of {$630.00}. The letter was dated XX/XX/2020. The letter included payment options, a payment stub, and return envelope. The account number listed is XXXX and reference number, XXXX. The letter states that " This serves as a notice to you the ERC has been authorized to report your delinquent account to the national credit bureaus when allowed by applicable law. '' The letter has my name and address, but I have never had an account with XXXX XXXX XXXX XXXX. I called the toll-free number XXXX on XX/XX/2020 at XXXX and talked with a representative to ask why I had received this. The rep asked me to verify my name and address and last four digits of my SSN. I told him that I would give my name and address because they were on the letter but not my SSN. He then said that he would read to me the SSN that ERC has on file with this reference number and asked if I could verify. The numbers he shared were not mine and I told him so. He then said that I could disregard the letter because I was not this person. I asked what I needed to do next because my name and address are tied with this account and he told me again to just disregard. Because of this, I have now been placed in the position of questioning whether or not this account will be reported as mine with national credit bureaus and will have to monitor for some months.
Company Response:
State: TN
Zip: 37601
Submitted Via: Web
Date Sent: 2020-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
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: HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
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: HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A