Date Received: 2020-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX : I called ERC to pay a supposed debt of {$220.00} with XXXX XXXX XXXX, XXXX. An amount of {$230.00} is shown as paid and cleared on my credit card statement as of XX/XX/XXXX. Fast forward 2+ years : I receive a collection letter out of the blue dated XX/XX/XXXX for the exact same debt I paid in XXXX. I find this very suspicious. I called an ERC representative, XXXX XXXX, at XXXX PST on XX/XX/XXXX and she confirmed that the amount was indeed paid, but then told me that particular office is closed and that I should call back and speak with someone on Tuesday. I find it very strange that the office would be open ( until XXXX EST on Saturdays, according to the letter ) but still can't resolve an issue for which they are clearly in the wrong. Regardless, I am filing a report for receiving a threatening debt collection letter for something I do not owe. This is illegal.
Company Response:
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ERC bought my 5 year old debt from XXXX XXXX XXXX around XX/XX/XXXX. The debt was from XXXX XXXX XXXX around XXXX. ERC started reporting the debt as it was a new debt on my credit report as if it was a new debt which dropped my score by 50 points. ERC also changed the amount owed on my credit report. This is unfair because I am trying to repair my credit at this time to buy a new home.
Company Response:
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: This account is fraudulent. At the time I was married and my Ex-husband had access to my personal information and my SSN. And from reviewing my credit report this company is saying that I just started this account. Which is not possible because I haven't tried to open up any kind of credit with this company.
Company Response:
State: GA
Zip: 316XX
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX while preparing to move out of state from my address of XXXX XXXX XXXX. XXXX XXXX XXXX, CO XXXX I went to return my XXXX Equipment as required by my contract. I went to XXXX XXXX XXXX XXXX XXXX. XXXX, CO XXXX XXXX XXXX stars out of XXXX XXXX rating to return my equipment. I waited patiently for over a hour for service. When it was clear that the process was going to take more than a few hours of additional waiting, a service representative at the retail location suggested that we place the equipment on the counter and assured us that he would check it in, so we could leave, since we had been there for such a long time for a basic service. Which we did. We followed the service representative 's instructions and placed our equipment on the counter giving him our name and account information and left. Shortly after this event I received a XXXX bill for {$150.00} for equipment. I called and spoke to a representative which refused my version of events. when I received another bill, I called again and got no where. I have refuted this charge on all of my credit reports since they have listed a derogatory comment. Today I called the collection agency and complained.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
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: 02302
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To Whom it May Concern, 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 that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 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: MN
Zip: 55404
Submitted Via: Web
Date Sent: 2020-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I've spoken to XXXX several times and a majority of the time the reps are very rude.. My last call was XX/XX/XXXX, I spoke with XXXX who claimed she was a supervisor.. I was following up on a dispute from creditor Enhanced Recovery that the XXXX claims to have verified as a valid debt. I asked could they send me the method of verification used or any information they have that validates this debt. She told me she didn't have any and that if I needed it to get it from Enhanced Recovery. I went on to explain to her that according to the FCRA guidelines that it is my consumer right to request this information and that it is XXXX XXXX duty to provide it to me upon request and to also report factual verified information. She got upset with me when I started quoting FCRA rules and guidelines according to the law and told me if I didn't have anything further or anything else to talk about then have a good day and hung up on me
Company Response:
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello, I see that you have reported inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. Right now Im demanding validation of this account : Enhanced Recovery Services Account # : XXXX Amount : {$2400.00} Please provide me with the following : ( 1 ). Full accounting for this account : ( 2 ). Copy of the assignment of purchase from the creditor ( 3 ). Every charge and what was purchased, fee, payment, credit, interest ( 4 ). How you calculated what you claim I owe ( 5 ). ( Fields v. Wilber Law Firm Coppola v Arrow Financial Services ) ( 6 ). Full chain of assignments from charge off to present ( 7 ). Proof that you own the debt with full clear title ( 8 ). Proof that you were on the original contract ( 73 Am Jr sect. 93 ) & ( Gearing v Check Brokerage Corporation ) If you cant provide me with sufficient proof as listed above, then you must delete the above account from all three credit reports ASAP. Let me remind you of the law : according to FDCPA 809 ( b ) furnishing, verifying and updating is considered collection activity. If you verify this inaccuracy from the credit bureaus without providing me with all of the items listed, you will be in violation of the law which carries a fine of {$1000.00} per violation. My attorney who specializes in suing debt collectors will be on standby waiting for my instructions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-22
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: For months this company has been reporting inaccurate, unverifiable erroneous things on my credit report and ruining my credit score and I am sick of it. This company has ruined my credit score so bad I got denied a loan for my house!! Now I can not provide for my family because of these derogatory marks. These medical bills and other derogatory collection accounts listed on my credit report, are incorrect and NOT mine. Simply verifying that someone used my name, social security number and/or address is insufficient to confirm that I am the person in question and owe this debt. The court has ruled that in Hinkle v. Midland Credit Management , Inc., that during a dispute and subsequent investigation with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation that would hold up when presented to a jury. That means an original contract or similar proof. To this end, I am demanding an itemized bill to be sent to me! 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. 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 ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2020-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: My XXXX-year-old mother contacted me via postal mail with a bill that she and my father received in the post. It was a bill from ERC collections representing XXXX XXXX/XXXX for a debt from XXXX it had all my information on it including the debt amount and the details of it. I have never given out my parents address and have not lived there since XXXX. XXXX and XXXX have always had my correct address to contact me at. I called them and advised them that they violated the law and after trying to transfer me several times to a supervisor and the office of the president they said that they could give me that number I advised them it was in their best interest that they contact me asap. ( call ended ). This is not only an embarrassment to me since I am XXXX XXXX and my husband is XXXX XXXX XXXX ( he is a XXXX XXXX ) thankfully getting better. But my parents are very old and frail. They have violated the law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32725
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A