Date Received: 2019-09-26
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: XXXX XXXX XXXX continue to report on my XXXX a fraudulent debt from XXXX on my credit report. Im in a dispute with XXXX over a fraudulent balance left in my name over an unauthorized device ordered placed without my permission or knowledge. The police reports validate my information and use of my name was stolen to obtain credit and other unauthorized devices. Additionally a debt collector called ERC contacted me yesterday stating XXXX has now sent them the debt to pursue which I have requested for them to open a fraud investigation back with XXXX on this matter. XXXX XXXX has no legal authorization to continue to pursue or report this debt to XXXX which is a major violation under the FCRA and FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84115
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I LOGGED INTO MY CREDIT MONITORING SITE AND NOTICED THAT THERE WAS SOME FRAUDULENT ACCOUNTS ON MY CREDIT REPORT THESE ARE THE ACCOUNTS AND DATES WITH THE AMOUNTS 1XXXXXXXX XXXX XXXX {$720.00} DATE OPENED ON XXXX 2.ENHANCED RECOVERY COL {$250.00} DATE OPENED ON XX/XX/XXXX 3.XXXX XXXX {$300.00} DATE OPENED ON XX/XX/XXXX 4.XXXX XXXX XXXX {$19000.00} DATE OPENED ON XX/XX/XXXX 5.XXXX XXXX XXXX {$360.00} DATE OPENED ON XXXX 6.XXXX XXXX XXXX {$650.00} DATE OPENED ON XX/XX/XXXX 7.XXXX XXXX XXXX {$240.00} DATE OPENED ON XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/2019 I received a phone call asking for someone who is not me. This is not the first time I got this call. I asked for them to stop calling this number, they have the wrong person. I keep getting these types of calls and want them to stop. The offending company is Enhanced Recovery Company, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27540
Submitted Via: Web
Date Sent: 2019-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I just received a collections letter from ERC for a supposed overdue bill to XXXX XXXX for {$110.00}. The date is for XX/XX/2019 but I did not receive it until now because it was sent to a relative 's address instead of my address. I never used that address while I was a customer of XXXX XXXX. I have not had an account with XXXX XXXX in over three years and I had to dispute an automatic payment with them the month immediately following canceling services which they refunded. The letter also does not include any information about how to dispute the charge. The bill also does not show up on my credit score. I strongly suspect that this is either not an actual collections agency or that someone associated with the agency has created a fraudulent account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35209
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC added a collection account to all three credit bureaus for XXXX XXXX XXXX for {$110.00}. I called and explained that this debt wasn't mine as I have perfect credit and have never had a collection. They said if I paid the debt, they'd delete it from all three credit bureaus. I figured I'd just pay the {$110.00}, even though the debt wasn't mine, just to have it removed. ERC removed it from XXXX and XXXX but refused to remove it from XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
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: 29210
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ENHANCED RECOVERY CO XXXX XXXX XXXX XXXX, XXXX, FL XXXX , ( XXXX ) XXXX RE : Collection account : XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal. Best Regards, XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a certified debt validation letter to ERC XX/XX/2019. In return I was sent a monthly statement without any other legal information, signature or contract. I legally gave ERC 30 business days for proof that the debt was mines and validation but didnt get that at all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I obtained a phone from my former employer which had been using XXXX XXXX XXXX mobile service. The employer had already contacted XXXX XXXX XXXX and requested the phone be unlocked so I could move it to another service provider. There would be no charge for doing this. While trying to obtain the new service at XXXX, the representative told me the phone was still locked. So I called XXXX & XXXX to unlock it. The XXXX XXXX XXXX Representative asked me information such as the IMEI a number, serial number of the phone, the employer name, etc., and then began asking me a lot of questions about myself including contact information, etc. I questioned them as to why they asked for my personal information, and they told me it was required to unlock the phone. At the completion of the call, they said I would receive an email with unlock information and it would be unlocked within 24 hours. I did receive the email, but nothing worked to unlock the phone. To make a long story short, I spent at least three hours over the next four days with representatives from XXXX XXXX XXXX, and XXXX - the phone manufacturer - trying to get this unlocked. I finally simply asked to talk to a supervisor who ended up unlocking the phone in two minutes from my request. I thought the nightmare was over, but it had only begun. Two months later, I received a bill from XXXX XXXX XXXX for over {$80.00} for services that I never got from them, had never asked for from them, and had never requested that I be set up at all with them. So I called the customer service line and explained the situation. They agreed with me that this was an error and should not have been billed, said they would take care of it, and the phone call ended. As of this week ( XX/XX/XXXX ), XXXX XXXX XXXX has sent/sold that fraudulent bill to collection agencies at least seven separate times ( at least twice to ERC ), some of which have gone into my credit record and posted collection notices, after I explained the situation to each one of them, and of course, refused to pay their demand. None of them ever provided ANY type of documentation that any service had been provided or that I had even requested any service. Is there a limit to the number of times that XXXX XXXX XXXX can falsely sell this fraudulent debt to these companies, and a limit to the amount of times they can continue to harass me falsely? I can understand an honest mistake, but there is nothing honest about what they are continuing to do and have tried to do for more than two years. Obviously, a rogue employee of theirs tried to make a bonus or some money somehow by selling me an account without my permission, and which XXXX XXXX XXXX promised to correct on a call they say was recorded. But they continue to bug me over and over. At this point I have spent many hours with XXXX XXXX XXXX, their hired collection agencies, and the credit bureaus trying to defend myself against this fraudulent charge. I feel that financial compensation is in order as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX sold my debt to XXXX XXXX XXXX XXXX in XXXX of XXXX, on XX/XX/XXXX that same debt was sold to Enhanced Recovery Company who then gave fraudulent information to XXXX claiming the old debt was new thereby resetting SOL from XXXX to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95901
Submitted Via: Web
Date Sent: 2019-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A