Date Received: 2019-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Company failed to provide proof of debt after several failed written attempts. Under the law if they can not verify they must delete. They have failed to respond to my several written request requesting validation of the alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2019-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company claims that I have a balance of {$240.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit bureau ( XXXX ) asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the debt was verified as accurate. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows charter communications as the original creditor but I never had an account or a contract with them. I want this debt validated and I also want the original contract with my signature on it sent to me by XXXX mail, if there is an agreement to pay between me and this company I also want to see the original document. This account has also been re aged which is also a violation of the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01610
Submitted Via: Web
Date Sent: 2019-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent two letters to the company asking for verification of a debt but got no reply.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45044
Submitted Via: Web
Date Sent: 2019-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Enhanced Recovery Collection Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( Paid in settlement. ) This letter is a formal dispute under the provisions of the Fair Credit Reporting Act ( " FCRA '' ) 15 USC Section 1681 et seq. that the above named company is reporting inaccurate credit information. Company above appears on my credit report making inaccurate derogatory remarks in violation of the Fair Credit Reporting Act. Inaccurately reporting that I owed them : {$81.00} dollars on : XX/XX/XXXX I submit that this derogatory remark should and must be removed from my credit report based on the following : 1. above company has reported and has continued to report such derogatory remarks beyond the statute of limitation ; 2. above named company reports status as paid in settlement then also reports " on Record until XX/XX/XXXX ''. Above named company can not report two different reports and inaccurate remarks to credit bureaus ; 3. above named company reports two different inaccurate remarks on credit report : a ) that the dept was paid in settlement ; 2 ) that I still owe {$81.00} dollars. Above named company can not report two different inaccurate remarks to credit reported bureaus ; 4. the above named company was not the initial company who I allegedley did business with ; 5. above company has reported and has continued to report such derogatory remarks without having a signed and authorized document from me as doing business with them. Or hiring or soliciting their services or purchasing their products/items. Initially the inaccurate information states that I did busienss with XXXX XXXX. And not Enhanced Recovery. 6. above company has reported and has continued to report such derogatory remarks by purchasing an alleged debt I owed to another company or business/provider, without my consent ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17046
Submitted Via: Web
Date Sent: 2019-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX, XXXX sent my account to collections because I hadnt returned my equipment. I did not have access to it until XX/XX/XXXX and officially returned it in person to XXXX on XX/XX/XXXX. I sent Enhanced Recovery this information so the claim could be removed from my credit, and I have been ignored.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: After checking my credit report in XX/XX/XXXX, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor multiple times in XXXX and now in XXXX to make them aware of the inaccurate information and advise them of what I noticed on my reports. I was able to get in contact with XXXX, XXXX, and XXXX to place a fraud alert on my credit report to be cautious. I have never had a contract with ERC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. ERC states that they have validated the debt, however, I never received a copy of the original creditors contract with my signature on it. I never had an account with XXXX and the debt is not my. This is fraud and against the law to keep this on my credit report. My credit report states that this was paid after the account was placed for collection - I have never paid an account with ERC/XXXX. This is negatively impacting my file. I have been disputing this for a while now and this has hindered my credit file tremendously.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hello : ERC is reporting on my account that I have a past due account from XXXX and I don't. I want proof of this being my account. I tried contacting them in regards to the account but have not received an answer. Their contact info is ERC XXXX XXXX XXXX XXXX FL Their phone number is ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44070
Submitted Via: Web
Date Sent: 2019-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Thank you for your recent contact dated : XX/XX/2019. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 676XX
Submitted Via: Web
Date Sent: 2019-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This company keeps trying to pin this debt on me! I keep disputing this debt every 3 months!! I call, they investigate and it gets removed from my credit report after they determine this is not my debt and then it comes right back on my credit report. Please make this stop!! I do not owe this company anything!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95205
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I closed this account in XX/XX/XXXX, there was a balance of {$97.00}, that should not have been charged. I spoke with XXXX and was told the amount would be written off. Now 7 years later with no notice, Im sent to collections. I no longer have all my notes from XX/XX/XXXX. I spoke with XXXX XXXX at Enhanced Recovery on XX/XX/XXXX, explained the situation and was told he has put in a dispute with XXXX. I dont understand how 7 years later, Im sent to collections with no notice, is that legal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2019-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A