Date Received: 2019-02-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX is claiming A debt of XXXX dollars .I 've called several times after I closed my account when contract was over to see why I owe the remaing amount and they could not give me proof or accurate documentation and had different stories. I don't owe them anything .I finished my contract with XXXX and then went into store and closed my account they told me I had a XXXX balance .I would like to jave this removed from my account. Account status is closed but won't remove it from credit report.Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40215
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX re-aged their collection account to adversely affect my credit. My last bill with XXXX was XX/XX/XXXX, but it is being reported to XXXX as placed for collections on XX/XX/XXXX. This was reporting correctly until about XX/XX/XXXX when the " Placed for Collection '' date changed to the incorrect date. This dropped my credit score 29 points for no reason at all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Repeatedly tried to contact XXXX XXXX XXXX XXXX to no avail. The company is placing derogatory marks on my XXXX, XXXX and XXXX reports. This information is completely wrong and needs to be corrected immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-09
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is matter was addressed and a complaint was filed when 2 other companies harassed me for the same debt in a collections portfolio of {$610.00}. My personal and private information has been thrown around between companies. Those cases were closed on XX/XX/XXXX, and XX/XX/XXXX, I've attached those files to those cases. The debt does not belong to me, I have attempted to speak to them and have them validate the debt in writing and I have sent a letter of validation to which they have failed to respond to. Not only is it 1 company disputing the same debt in collection but it's 2 different companies disputing it in different credit bureaus. I am filing this complaint as a last resort before I reach out to my attorney. This is in response to the numerous calls I have received from your company. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalidated information to any of the three major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2019-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a letter to Enhanced Recovery Company stating that I pulled my credit reports and noticed an unfamiliar collection on my credit reports, which I had not been aware of. Rightfully, I requested VALIDATION of the debt, requesting PROOF that I am indeed the party bound by CONTRACTUAL OBLIGATION to pay the debt. I requested PROOF OF AN AGREEMENT with their client that authorized them to collect on the alleged debt, and most importantly, an agreement BEARING SIGNATURE of the alleged debtor wherein he promises to pay the creditor. They provided NONE of the aforesaid VALIDATION. All I received was VERIFICATION in the form of a phone bill with my name on it. No VALIDATION whatsoever that this account belongs to me or that I entered into a contract. Yet, they continue to report this inaccuracy on my credit reports. When I initially filed a complaint with the CFPB, Enhanced Recovery Co. responded that they received my request for validation and that they " verified '' ( not validated ) the account. VERIFICATION and VALIDATION are not interchangeable! There is a difference between " validation '' and " verification ''. I did NOT request verification. I requested validation! They have not been able to furnish anything that proves that I am contractually obligated to this account in any way or that this account belongs to me. They are unable to VALIDATE the contract, yet continue to tarnish my credit worthiness by reporting this inaccurate information to multiple credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2019-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Good morning. As we are trying to buy a house, a delinquent notification of an account showed in my credit report from a company called XXXX XXXX XXXX XXXX. I reached to this company and they told me its a debt from XXXX. I have call over a dozen times to this people and have provided them with the info they have asked several times. My mother was a XXXX XXXX and as I was in the XXXX, she used my information to acquire services under my name, like Cable TV and now this. We didn't know until things started to pop up. She died last year of complications from XXXX/XXXX. I did my investigation and she got this XXXX account because the representative at a mall kiosk in PR was her friend and they used my info for her to get 2 cell phones. That employee no longer works there. I have told them the same thing over a dozen times and provided them with all the information. They said they will take it of my report. This has been going on for a while now and they continue to reach out to me. My credit score went down in a huge way thats to them pushing this in to my report and my house buying process is now at a stop due to this. Please, this is getting overwhelming and as I dig in the web, there is nothing but stories and complaints from this company. Please Help. Thanks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76180
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Agency : ERC is not a bonded agent in the state of Florida. Original lender : XXXX XXXX XXXX XXXX Amount : {$130.00} XXXX acct : XXXX XXXX acct : XXXX Placed for collections XX/XX/2016 I have attempted multiple calls to this company informing them that this debt does not belong to me. There response is to send me collection letters. Furthermore. I receive daily robo calls from this company, at least 7 per day. I have been at my current address for greater than 5 years and have and at no time in the past have I had an account with att and wireless.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32608
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Received a credit alert that XXXX XXXX XXXX files a major Derogatory on my credit report. We have not requested service from this company, we have no record of an agreement, nor have we received any information via mail or email. This has dropped my credit score over 50 points. I am requesting that this be removed as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77316
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX previously reported this debt and It was removed from my credit report after communication with the credit bureaus with my police report and identity theft report. I responded to ERC 's original letter to collect the debt and let them know this has already been disputed and the original creditor should not be selling this debt as they have received all the required documents for the identity theft. They continued to list the debt on my credit report. This is the last attempt to have the debt removed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2019-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity theft/fraud. I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. documents submitted to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX AND XXXX continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. This account must be removed immediately, as it is in clear violation of the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A