Date Received: 2019-02-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid account number XXXX off and they are still reporting this account on my credit report. I was told when I pay it that they would update the credit reports and this was never done.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX remove the account from XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OR
Zip: 97302
Submitted Via: Web
Date Sent: 2019-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-25
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 XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SS # XXXX DOB| XX/XX/XXXX To : ERC XXXX XXXX XXXX. XXXX, FL XXXX XXXX RE : Account ERC XXXX Dear XXXX XXXX/To Whom it may concern, Please be advised that this is my SECOND WRITTEN REQUEST. I just received a letter from your company stating that the letter is in response to my request for validation. This is not a request for verification but a request for VALIDATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I am writing in response to your letter date XX/XX/XXXX in which I asked for validation in accordance with the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) in which you are required by Federal Law to verify through the physical verification of the original contract with my signature on it that you have on file of the account listed in this correspondence. The letter dated XX/XX/XXXX did not supply me with ANY physical validation including my contract with my original signature on the contract as defined by the FCRA as listed above. You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original signature on it ) and under section 611 ( 5 ) ( A ) of FCRA-you are required to..promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy to me for negligent noncompliance ( Section 617 ) if you continue to fail to comply. I am a litigious consumer and fully intend to enforce my rights under the FCRA. Originally the first action I took was to file a dispute about ERC reporting a nonverified on my XXXX Credit Bureau Report with my dispute originally dated XX/XX/XXXX, Dispute # XXXX specifically about the reporting of Enhanced Recovery Account # XXXX which is causing me direct harm by affecting my FICO score and preventing me from obtaining a home loan. I filed a timely request for a reinvestigation of the reporting of ERC with XXXX and the results of Dispute # XXXX for XX/XX/XXXX were as follows : Enhanced Recovery Co XXXX with the outcome : ERC DELETED- This item was removed from your credit report. I am demanding that ERC remove the reporting of the account # XXXX which continues to show up on my XXXX Report and all credit files and a copy of such deletion request shall be sent to me immediately.. I am enclosing the XXXX Dispute with results with ERC deleted per the investigation of XXXX which shows that ERC is reported as Non-verified debt. ERC letter dated XX/XX/XXXX in which you clearly reference Dispute Validation with no validation provided Copy of most recent XXXX Report showing ERC Please delete the misleading information from XXXX within 10 days of receipt of this letter sent USPS Certified Mail. If for some reason I do not receive a return satisfactory response with the removal of ERC from my XXXX Credit Report I will file complain with the Office of Attorney General, and the CFPB ( Consumer Financial Protective Bureau ) and the local XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over 4yrs.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2019-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX in XX/XX/2018 in the amount of {$1000.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Texas to collect on this debt. Secondly, XXXX XXXX XXXX violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to XXXX XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2019-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX stated and made a negative derogatory claim on my credit report of {$560.00} owed to XXXX XXXX XXXX phone company. I have paid my balance that I owed XXXX XXXX XXXX on XX/XX/XXXX and confirmed it with XXXX XXXX XXXX, they also sent me an email confirming I owe nothing on that account. I have talk to enhanced recovery back in XX/XX/XXXX and was suppose to have all this situated and resolved. As of XX/XX/XXXX when me and my wife talked to enhanced recovery collections they said that we still owe the {$560.00} according to their records and that we only called one time in XX/XX/XXXX. This is false and will release all my phone logs to prove differently. When we spoke to XXXX XXXX XXXX in XX/XX/XXXX they sent out to the XXXX XXXX that our debt was paid in full and XXXX XXXX seems to ignore this. You can not talk to them because all they do is repeate the sentence over and over regardless of the validity of information you have. This issue has killed my credit score, and prevented me to make it better over the past year. Something needs done I can not keep having this stress in my life when I do not owe Anything.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44001
Submitted Via: Web
Date Sent: 2019-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Upon looking at an alert on my XXXX and XXXX report the company by the name of XXXX XXXX put a collection on my report from XXXX XXXX XXXX XXXX XXXX XXXX for the amount of XXXX it was recently removed from a collection agency before because I had no knowledge of the account, so I called inquiring about it spoke to agent # XXXX XXXX and she said a letter was sent out in XX/XX/XXXX and upon looking at your file this is our first time speaking with you and I said well if thats the case how do I know a letter was actually sent out then and she she stated we are a third party collecting a debt for XXXX XXXX XXXX XXXX and I asked for validation of this debt since they put this in my credit report she said she had to contact XXXX XXXX XXXX XXXX, I immediately knew this was a shady practice and she pretty much pressured me to pay for something I had no knowledge of and said upon paying they will send a email to send to the bureau, so with that being said Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609, and 623. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. Without it please remove it and if it continues to happen I will pursue suit because the company has damaged my excellent credit that i have spent years to get it wear it needs to be surely XXXX I would not let damage my credit or ignore if I have thousands of dollars credit that I pay 100 % on time
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2019-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XX/XX/18 {$94.00} I wasnt properly informed of this debris prior to the submission.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32563
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-21
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: This company is not licensed in Illinois to collect on a debt. The Illinois collection agency act ( ICAA ) requires that all debt collectors must have a license before being operational. The law also has a clause that regulates how a debt collector contacts a person and how they can communicate with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2019-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I contacted XXXX XXXX company to resolve a debt that was owed to XXXX XXXX. I was able to settle the amount, however was not able to get them to remove it from my credit report. I have recently paid off 5 other accounts with different collection agencies and all of them are stated that they are removing the items completely from credit report. This company stated that they will not and could not. They stated that they would not contact XXXX to see if they would be willing to remove. In addition to this when I asked to speak to a supervisor I was denied stating that the manager was busy and that I could continually call back in hopes of getting in contact of one. This practice seems to be unfair due to the fact that 5 out 6 are willing to remove and would like to get this removed as well.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2019-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A