Date Received: 2023-03-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This creditor is violating my rights under the Fair Credit Reporting Act - 15 U.S.C.1681 section 602 - states I have the right to privacy. Under 15 U.S.C. 1681 section 604a section .2 also states a consumer an not furnish an account without my written instructions and consent. Enhanced Recovery is reporting I owe a debt of {$490.00} to them and this is false. I do not have an account with them nor have they provided me with a copy of the contract I have with their company with my signature
Company Response:
State: LA
Zip: 70380
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX sent a {$110.00} bill directly to ERC collections without sending me a bill in XXXX 2022. I contacted XXXX and completed a chat with a representative who stated my account was never past due and confirmed I did not owe anything. I never missed a payment to XXXX or any company in my life. Due to this scam of a claim my credit score dropped over XXXX points. Today I filed a dispute against Enhanced Recovery Collections through XXXX. The item was deleted from my XXXX credit report. I messaged XXXX via XXXX this morning. XXXX has yet to rectify this situation.
Company Response:
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: disclaimer : i already filed a complaint with the XXXX in XXXX. i got a call from a company that said it was debt collection company, ERC located out of XXXX, fl, according to the letter they sent afterwards, and they said i owed at & t {$45.00}. i believe it's a scam for 3 reasons : 1 ) when they called me ( and they only called once ) and i answered, it took between 5-10 seconds for them to answer back. red flag right there. 2 ) they got my name wrong. and 3 ) i stopped using at & t in 2015 and now they've decided i have an unpaid debt? - please look into this matter asap. they said they'll report me to the credit score companies if unpaid after 30 days. thank you. ps - i don't have anything to upload because all this is news to me. i really don't know what this company is talking about.
Company Response:
State: CA
Zip: 91331
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: A company reached out to me stating that I owe a debt, yet there was no supporting documentation by this claim. I want this account to be removed from the consumer report immediately.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Seriously, I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and DELETE it immediately in my report : XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2022 Balance : {$310.00}
Company Response:
State: TX
Zip: 76248
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a notice from debt collector - ERC- that I had an account with them in collections. The original creditor is XXXX XXXX XXXX XXXX The amount is for {$270.00} The notice from ERC is dated XX/XX/XXXX The account was paid in full XX/XX/XXXX and XX/XX/XXXX. I have printed bank statements showing the exact amount the company is claiming I still owe. I was moving to a new residence, disabling service at old address and beginning service at new address. One is not able to begin new service until previous balance is paid. Please let me know how to move forward with this and what documentation needs to be provided.
Company Response:
State: TN
Zip: 38111
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Ive been a victim of identity theft and someone who stolen my identity apply for a XXXX account for the amount of {$2100.00} that account is fraud I never apply for that cellular company, the action that was taken was go tot the police department and file a identity theft report and a federal trade commission report.
Company Response:
State: VA
Zip: 20109
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. XXXX
Company Response:
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The dates for the collections show as XX/XX/XXXX and XX/XX/XXXX for {$89.00} and {$1400.00} respectively. These accounts have already been paid on in full and are still reflecting on my credit report.
Company Response:
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: PA
Zip: 17602
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A