Date Received: 2020-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was billed for my ex wifes cable bill. This was with XXXX and I paid, they still reported me as I didnt pay. I pay them again and they still show in my credit report as a close collection. The collection was open in XX/XX/2018.
Company Response:
State: FL
Zip: 32750
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Last month, ERC reported to the credit reporting agencies that I owe about {$2500.00}, a debt that occurred as a result of identity theft/fraud. The original creditor listed for the debt is the company XXXX. This debt was initially reported under a company called XXXX XXXX in 2018 and it was removed from my credit report after I disputed it and provided information to the credit reporting agencies regarding the identity theft. Now, two years later, the debt has been re-reported and placed on my credit account - this time, under ERC. I received no notice of this and only found out after it triggered a credit report alert. I then once again disputed the account with the credit reporting agencies and the original creditor, however, I was advised to contact ERC as they currently own this debt. After multiple calls and being transferred after long wait times, I sent ERC an official request via certified mail for verification and validation of the debt per FDCPA, which states debt validation should include account statements from original creditor, payment history with the original creditor or a copy of the signed contract between the original creditor and debtor. 15 U.S Code S1692g. validation of debts 5 ( b ). The delivery of the letter has been confirmed via the USPS but I have not received any response, and the derogatory information continues to remain on my report. The original issue is that I had a cellphone on my mother 's XXXX account and someone was able to open two separate lines. At the time, our home was under total re-construction due to a main water pipeline that bursted in our home, making the home uninhabitable. My insurance company had relocated us to a hotel for a month, then an apartment close to my job in Maryland. Because of the logistical challenges, we weren't regularly checking mail in Virginia and therefore, did not see notices coming to my home regarding the two phone lines. By the time we discovered the large balance on the account and what it was the result of, it was too late and the account was on its way to collections. The home had contractors and builders coming in at all times of the day for several months so anyone could have had access to my mailbox, as well as sensitive paperwork that remained in the home even during the construction. It is also important to note that my name was only on the account for Caller ID purposes, but not as a primary account holder, therefore, I had no financial obligation to XXXX. I am attaching a copy of the only bill we received from XXXX and it is not under my name. This is why I requested from ERC proof of a contractual agreement between myself and XXXX. But I have not received any response to this request. Furthermore, we were not made aware of any debt collection efforts beyond the XXXX bill we received until after it was placed on my credit report. Nor did I receive any notice that it was being reinserted in my credit report by ERC.
Company Response:
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Yesterday ( XXXX XX/XX/2020 ) I reported to CFPB that XXXX XXXX and XXXX XXXX XXXX are attempting to collect on a {$1000.00} account that is not mine. Today I noticed that XXXX/XXXX XXXX/XXXX have transferred the account to Enhanced Recovery Company in the sum of {$1000.00} earlier this year. I have not opened accounts with any of these companies voluntarily. I reported this to XXXX ( the only credit reporting agency showing this collections account ) using their Online Dispute Service on XXXX XX/XX/2020 but I expect no favorable resolution because they sided with XXXX before. I should also note that I have never received an account statement from XXXX, XXXX, or ERC. This is a continuation of my CFPB complaints XXXX and XXXX.
Company Response:
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/20 Tried to reach out to the company, and it was a cellphone number. This is not my account and I have never done business with Enhanced Recovery. I don't have a written contract or any agreement to pay. The amount they are saying I owe is {$350.00}, this was place on my credit report on XX/XX/20.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Enhanced Recovery Company added a debt to my credit report on XXXX XX/XX/2020 after it bought the debt from another company. The debt was previously removed from my credit report because the account could not be verified by the previous collection agency. Not only was it added back to my report without me being notified by the bureaus or this new collector as required under the FCRA but the collection agency has re-aged the account in order to make the account appear that it became delinquent as of XXXX XX/XX/2020. This is an illegal practice which carries a fine. It caused my score to drop. I'm still not understanding how the collections opened date is after the date that it was updated but the dates are completely off by years.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2020-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt popped up on my credit file today. Ive recently paid off all of my outs and debts. Ive never seen this debt before. I called the collection agencys phone number listed on XXXX a few times and I kept getting a personal voice. I believe this claim to fraudulent as letter or anything of this unknown debt has been sent I also looked up the company and they are known for buying very old debts and trying to collect. Please remove.
Company Response:
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Sir or Madam, My complaint is about ERC creditor collection practices. On XX/XX/XXXX XXXX XXXX XXXX [ XXXX # XXXX ] was notified via. USPS postal service of BARRED/INVALID DEBT, the debt was then transferred to ERC after DENIAL letter I wrote to First Source Advantage. On XX/XX/XXXX ERC [ XXXX # XXXX ] was notified of the BARRED/INVALID DEBT via. USPS Certified Mail with Signature and they were also notified that CFPB would be contacted if they continued to contact me about a debt that was denied. On XX/XX/XXXX I received a second letter from ERC ( ERC dated the letter XX/XX/XXXX ) harassing me about the same debt. If ERC believes they want to take legal action against the Estate of XXXX XXXX XXXX aka. XXXX XXXX I have provided the Probate Case # XXXX to them. I do not want to be harassed regarding a BARRED/INVALID debt again. I will be providing all supporting documents in this matter to CFPB for the correspondence between myself, XXXX XXXX XXXX and ERC collection agencies. Thank you, Sincerely, XXXX XXXX XXXX ( Personal Representative )
Company Response:
State: NM
Zip: 87114
Submitted Via: Web
Date Sent: 2020-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ERC - Enhanced Recovery Collection company is attempting to collect a XXXX cell phone bill from 2012. Collector will not remove debt from my credit report and keep reporting debt as a new debt. I have disputed with XXXX multiple times, 3 times. Please assist with resolution. Thanks.
Company Response:
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I check my credit scores frequently via XXXX XXXX and noticed a few days ago a significant drop on my XXXX score - +30 points drop. I filed a complaint with XXXX and quickly got a reply that the {$59.00} dollar amount with a Florida collections agency representing XXXX was erroneous and was supposed removed. I'm checking my scores now and the drop is still on my XXXX report. This erroneous " collection '' has damaged my credit for NO REASON. What recourse do I have? Current File File Number : XXXX Report Date : XX/XX/2020 Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX Thanks! XXXX XXXX XXXX XXXX
Company Response:
State: OR
Zip: 97212
Submitted Via: Web
Date Sent: 2020-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This account is listed as being opened and late as of XX/XX/2020 which is completely incorrect. This account is from years ago and that needs to be corrected.
Company Response:
State: CA
Zip: 90601
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A