Date Received: 2019-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a debt from XXXX that was sent to collection in the amount of {$340.00}. The collector was XXXX XXXX account # XXXX. The account was disputed and deleted from all 3 of my credit reports. That was back in XXXX of 2019. Now under a new collection agency they are trying to collect on the same debt which is a clear violation of the fair credit act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Date XX/XX/19 Amount XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2019-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. Account Name Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX ) Enhanced Recovery XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85248
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This cellphone plan started on XXXX. After all the lies about pricing and quality of services, we would receive told to us by the sales rep came to light. I returned all of my equipment and canceled all services under the buyer 's remorse clause on XXXX to the original store. I paid all restocking fees and have the original sales receipt as well as the original return receipt. On XXXX I received a notification on my credit report that an account placed into collections on my credit report. And is know showing as an active collection on my credit report. I returned all the equipment and canceled all service. This Debit is not valid, and I have not received any prior notice of attempts to collect this debt to give me a chance to dispute this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 405XX
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I never receive any notification from this company that I owe a debt. I receive a copy of my XXXX report and this company was listed as a debt collector. I never receive a letter or no notification of this debt and has no knowledge that I owe XXXX. I am still a customer of XXXX for over 10 years and when I contact the company they have no knowledge of this collection agency try to collect a balance I do not owe. This collection agency is not license to collect in the state of Tennessee.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-10
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: MY REPORT SHOWS TWO UNKNOWN ADDRESS THAT ARE LISTED AS MY PREVIOUS LEGAL RESIDENCE, ALSO A LIST OF MANY DIFFERENT LAST NAMES ARE ASSOCIATED NEXT TO MY NAME INCLUDING SOME ACCOUNTS WITH MY NAME MISSPELLED AND THREE COLLECTIONS I DONT RECALL HAVING ANY OPEN ACCOUNTS. PLEASE HELP CLEARING THE WRONG INFORMATION THAT IS AFFECTING MY CREDIT.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2019-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I sent a debt validation letter certified to enhanced recovery company. They sent me a regular bill for {$100.00} which is not proof of validation. The bill also had an address I never lived at, heard of, seen before or been linked up to.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I asked that this company validate this account. They sent a bill which does not show any written agreement that I owe this company any monies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2019-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I thought to make a payment with XXXX XXXX where they told me to call the collections and I did and they both gave me the runaround when I called to make a payment they had lower the payment for me and I told him give me a couple hours to call back with my bank card and then Hey call back and they gave me another story that I had to pay higher amount when they clearly gave me a reference number of me paying XXXX instead of the XXXX so I attempt to try to make the payment and they did not except it because they change their mind about a different payment of me paying more when they clearly told me if I pay for XXXX everything will be cleared and they totally lied to me Im very upset because it couldve been all paid off but they lied to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17404
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I requested debt validation including a copy of the original contract but only received a copy of an account statement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A