Date Received: 2019-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an account reporting on my credit that is not mine. I have never seen this account or have knowledge of this creditor. I demand this collection account be removed from my credit ASAP.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am concerned that I have XXXX-XXXX debt on my credit which is really hurting my score significantly. I once had a contract back in XXXX. I lived in XXXX Michigan in a group home called XXXX XXXX. I was sent to a new placement and lost phone privileges and that cause me to break my contract with XXXX-XXXX. It has been 12 years now since then and the dept keeps getting added to my credit as if it happened XXXX of XXXX. I was a young adolescent at the time and now i am almost XXXX and its still hurting my credit. I was informed that this dept will be off my credit after 7 years. And here i am today having a reaccuring negative remark on my credit as many dept collection agencies keep buying out my dept and refreshing when the dept was sent to collections. I would like to do anything in my control to dispute this dept as i am disagreeing with the date and amount the dept collection agency is stating it accured.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78229
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: When checking my credit report it became apparent there was an old XXXX cell phone bill that apparently hadn't been paid and I had NEVER been notified about. I contacted XXXX directly and paid them, as they were the original creditor. I then contacted the collection agency attempting to collect the debt and asked them to update their records and delete the account from my credit report, as they have no collection authority on a non-existent debt. They refused to comply or even give me any information about how to contact a higher up in the organization. I was simply hung up on more than once.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98391
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I sent a certified mail return receipt the company failed to insert a date on the returned receipt and also failed to complete the credit disclosure showing the date the debt was charged off. I asked if the debt was assigned or purchased from a previous creditor and if so how much was paid for the assignment or purchase. I also requested so see the terms of the assignment. To date the collector has failed to provide this information. They have yet to validate the debt according to the FDCPA
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-29
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: " XXXX XXXX '' from Enhanced Recovery Company has contacted my place of work 21 times from XX/XX/XXXX to XX/XX/XXXX. He has contacted me, my brother, my mother, and my ex husband during that time. He claims to be a process server and in his message claims to have tried to serve me at my home. There is always someone at my home and no process server has ever been there. The debt recently showed up on my credit report even though it is a bill from XXXX that is almost 10 years old.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MT
Zip: 597XX
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We don't owe XXXX XXXX XXXX any money, we never signed a contract with them. We have been fighting XXXX XXXX XXXX for 3 years now. This collections was removed from XXXX and XXXX, but still remains on my XXXX credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Initial company is XXXX XXXX XXXX XXXX XXXX. They agreed to cancel subscription because my complex wasn't equipped for cable. They shipped equipment on my move in date ( XX/XX/XXXX ). I returned no later than XX/XX/XXXX. Then XXXX XXXX XXXX sold the bill to XXXX XXXX. I disputed XX/XX/XXXX. It was cleared on my credit report. Then again put on by XXXX. I disputed again and it was cleared XX/XX/XXXX. Now in XXXX of this year, it's sent to ERC. And not cleared. I would appreciate an investigation for this. Because, it seems as if XXXX XXXX XXXX XXXX XXXX cancelled but selling the bill to collectors. I would like for it to be removed permanently off my report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2019 Creditor XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Account number XXXX Amount of Debt {$820.00} Reference Number XXXX ERC XXXX. XXXX XXXX XXXX, FL XXXX I don't recognize this account. Someone stole my identity. I have never open this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I checked my credit report and saw an erroneous debt with this company. I do not believe I owe this debt so I disputed it and the results were that it was verified as accurate. They are allegedly reporting 100 % accurate data. Since they have verified inaccurate and erroneous information, they have violated my consumer rights under 15 USC 1681 FCRA and 1692 FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: i recently checked my credit report and discovered that this company has placed this item on my credit. I have never done business with this company nor have they provided me with any services or goods. I was never notified that I owe a debt with this company therefore my rights were violated. I want this company to produce the documents with my signature indicating that I agreed to pay for services or goods and it they are not able to do so I demand that they remove the items immediately
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2019-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A