Date Received: 2019-12-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To whom it may concern : I received my credit report and found that information from ( XXXX ) was reporting inaccurate information on XX/XX/2019, I sent a letter disputing the information to XXXX XXXX, they verified the information as accurate. On XX/XX/2019 I sent another letter disputing the incorrect information with XXXX allowing 15 days to reinvestigate my dispute, again it was verified as accurate. On, XX/XX/2019, XXXX, XX/XX/2019 I sent a letter to the collection agency ( ERC ) to verify proof that I have a contract with them, they sent me a bill, never answering my question and showing no proof. My rights have been violated by the reporting agency and the collection agency, they are damaging my credit history with false and inaccurate information. By refusing to delete this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2019-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2019-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX I received a letter stating : We are in receipt of your request for validation. The account has been updated and placed on hold in an investigatory status. We will request documentation from out client. and On XX/XX/19 I received another letter stating : Unfortunately, we are unable to provide the requested documentation within a reasonable time frame and as such ERC has ceased all collection activity. Further, we have requested the account be deleted from any consumer credit reporting agency files to which we may have submitted information. Consumer reporting agencies may take 30 days or longer to update consumer reports. XXXX XXXX it was still on my credit reports and I disputed with XX/XX/XXXX and on XX/XX/XXXX I received the following message on behalf of : The company that reported the information has certified to XX/XX/XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. I have not received any other mail from ERC in reference to the account or its validity.
Company Response:
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-07
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: This account is my ex husband I don't know anything about this! I am truly upset threating my ssi and I am scared I don't want jail!!!!! Please can u help me this is not mine.
Company Response:
State: NJ
Zip: 08755
Submitted Via: Web
Date Sent: 2019-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Enhanced Recovery Sytems is reporting an account to XXXX and XXXX for {$190.00} this does not belong to me, I have no knowledge of what this is, and never done business with this company. This bad information is negatively impacting my credit. Stop reporting this bad information to my credit bureau 's.
Company Response:
State: MI
Zip: 48167
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Enhanced Recovery Collection/XXXX # XXXX is reporting a collection to my account that is in error. I have repeatedly tried calling, emailing and attempting to contact them to pay it before the account ever went to collections, however nobody will help me when I can get a hold of them and no one is calling me back. I am trying to pay this and am unable to contact someone in order to do so.
Company Response:
State: UT
Zip: 84044
Submitted Via: Web
Date Sent: 2019-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An account with XXXX was opened online in my name by a family member. XXXX XXXX collection agency originally had the account. I previously obtained a police report and XXXX XXXX Fraud Department sent an affidavit, which I had notarized and sent back in along with any other supporting documentation that they asked for. After doing this, the collection was removed from my credit report ( XXXX and XXXX ), which as of XX/XX/19 has been re-reported with another collection agency ( Enhanced Recovery Company ). I don't understand why the credit bureaus keep allowing this to happen after proof has been sent in verifying my complaint.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2019-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have advised the collection agency this account doesn't belong to me several times via mail. In addition, I have made multiple request for documentation to validate the debt ; as I have never had a contract account with XXXX XXXX XXXX XXXX. To date the collection agency has failed to supply a contract or any documentation to validate this account.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2019-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Collection placed by XXXX XXXX in XX/XX/XXXX. The phone did not work in rural area, I was alone with no service on my cell. XXXX was the only service that worked. XXXX agreed to not pursue the remainder of the contract, they sent it to collections after agreeing not to pursue the balance. The collection agency is reporting it as of XX/XX/XXXX, this is from XXXX. It has hurt my credit rating several times when applying for loans, higher percentage of interest. The collection is going to be removed XX/XX/XXXX due to the expiration of 7 years on a credit report. I contacted the collection agency over the report in XX/XX/XXXX so they changed the collection to read it was opened in XX/XX/XXXX, this is from XX/XX/XXXX. I have been with XXXX XXXX since XX/XX/XXXX due to this cellular not working. This has stopped me from applying for a mortgage to get a new home. I tried to reduce the rate on a current loan I have and due to this collection report incorrect, it was denied. I cant apply for any loans till after this is removed. I have talked to several XXXX customers and this company is ruthless in sending out collections for a product that doesnt work.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 49508
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: In the summer of 2017, I went to XXXX located at XXXX XXXX XXXX XXXX, XXXX, NH XXXX and received 2 XXXX with service. The amount that I was told was not true and after going into the store I talked to the manager and they apologized and ended service/account and said that they would cover the month of service. I have had debt collectors call me and I always have to call XXXX and sit on hold for a few hours fixing it. I still get letters for debt collection and it is now going against my credit. I have talked to managers numerous times and they always claim to " fix '' it but I have no proof. I have asked for written verification numerous times and I never received it after sitting on the phone/hold for hours.I returned the equipment and am being charged for the month of service. I have been told that it was an internal error and that I am all set, yet I still get letters from debt collectors.
Company Response:
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2019-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A