Date Received: 2019-01-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My social security number was used to open a XXXX XXXX account in XX/XX/XXXX, using a different lat name than mine. XXXX put the account to collections with XXXX XXXX XXXX ( ERC ). After finding the item on my credit report in XX/XX/XXXX, I filed an identity fraud claim with XXXX, including a fraud affidavit, bank statements from XX/XX/XXXX, and my driver 's license. XXXX confirmed in writing that this was identity fraud later in XX/XX/XXXX. I contacted ERC and they agreed that the report was in error and said it would be removed from my credit report within 45 days. It has been 4 months the item is still on my XXXX and XXXX XXXX credit reports and substantially affecting my ability to get credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I tried numerous time to resolve this XXXX XXXX XXXX XXXX XXXX - XXXX account. This is not my account I explained o them this several times. This bill is for services that was secured in Texas. I never resided in Texas nor have I ever requested services in Texas. I don't owe this bill.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
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: So I have ask this company XXXX XXXX for validation of this debt, thru a dispute process with the CB, and have yet to receive documentation that I opened or am the responsible party for the XXXX dollar debt reporting as a tradeline on my credit file. I have ask for a sign contractual agreement between myself and the company they are collecting for and will not accept anything other as validation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2019-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Amt : {$170.00} Company : XXXX XXXX XXXX ( On my credit report ) I never had an account with XXXX XXXX XXXX or XXXX ( I've received a letter from ERC stating I owe {$170.00} to XXXX. I have NEVER had an account with XXXX XXXX or XXXX, and I notified ERC, but they won't take it off my credit report and continue sending me letters. I had an account with XXXX XXXX XXXX for my business, XXXX XXXX XXXX XXXX XXXX. I was talking to a woman from their Corporate Office, and she talked me into having a phone. She said the technician would be out to hook it up. No technician ever came out. I never went online due to worrying about breaking confidentiality, and I just starting going online about a year and a half ago while attending XXXX College. Anyway I switched to XXXX because I needed a phone. Once I finally had a phone line ( through XXXX ), I called the Corporate Office of XXXX, and I explained my situation ( that a woman said a technician would be out to connect the telephone, but no one came out ). A man on the phone told me that they never turned on the phone in the office ( I had the impression the way he spoke that they never turned on a switch, but I'm not sure how they turn on phones ), but i knew no technician ever came out. I explained to the man that I was upset because I received a bill and was going to contact a lawyer because I had to reprint all of my letterhead, business cards, advertising with pens that had my business information on it, essentially everything that had my business information on it. I was irate because three weeks without a phone can kill a business, and it basically killed mine because no one could find me. The man on the phone assured me that my account would be taken care of and I owe nothing. I never heard anything about this debt until about six months ago. I am assuming that XXXX XXXX XXXX was bought out by XXXX XXXX because that is who ERC says I owe, but I never had an account with XXXX XXXX. XXXX XXXX must of been bought by XXXX because I had a letter from ERC stating I owe XXXX {$170.00}. I have never had an account with XXXX. I did have a lady come by asking if I wanted cable through XXXX, and I thought it was interesting that she said I did not have to pay a deposit ( which if I truly owed XXXX they would of asked for a deposit ). I was going to get cable through XXXX, but I called and spoke to a gentleman ( who I believe was in the Corporate Office, or may be Collections ), and he notified me that I do owe them {$170.00} and I have to pay it because they will not forgive this, even though I explained my situation and was told my balance was XXXX when I spoke to XXXX. My account for XXXX XXXX XXXX was XXXX XXXX dba XXXX ' XXXX XXXX XXXX. If I felt I owed this debt, I would pay it, but I do not feel that I owe it. The phone was never turned on, and no technician ever came out to my address. XXXX cost me a lot of money when they never turned on the phone and people couldn't find me if they needed me. I was going to hire a lawyer at that time, and now I wish I would have because the matter would of been settled! I told the man from the Corporate Office that I was going to hire a lawyer, and he said he was sorry for all of my trouble and he satisfied my debt, and I owe nothing. I do not want each time the account is sold to another company that I will owe this debt. It has been in three different company names now, but I only had an account with XXXX. Please investigate this to the fullest! There is no account with my name dba XXXX XXXX XXXX XXXX XXXX in XXXX XXXX ' or XXXX ' names. I switched to XXXX when XXXX never connected my phone, and I am still with them today! Please investigate because if it is sold to another company, that new company is going to say I owe them when I truly do not! I don't know if the XXXX Corporate Office knew they were being bought and just told me that to pacify me, but I never heard anything about it until years later by different companies. I wish I would of gotten a lawyer like I wanted to when I switched to XXXX because it did cost me a lot of time and money having to change everything, not to mention the stress of not having a working phone but having bills of a business ( which is a lot more expensive than residential-personal bills ) and no client can find me because I had no phone. Please investigate? Any questions, please contact me at ( XXXX ) XXXX. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: At least once a year for the last 5 or 6 years this collection shows up with a different collection agency and I tell them the XXXX XXXX debt is not mine as I have never lived in South Caroline and I have never given anyone permission to open a XXXX XXXX account in my name. The debt goes away until the next year and a different collection agency suddenly shows up saying I owed XXXX XXXX. Please ask the collection agency and XXXX XXXX to stop as the debt is not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2019-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX is reporting a account on all three of my credit reports that do not belong to me. I reached out to the company about this issue on XX/XX/XXXX to get the issue resolved but no one would help me. They are reporting this account as of XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2019-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I already reached out to the credit bureaus and to XXXX XXXX XXXX XXXX for the account numbe XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A XXXX XXXX XXXX XXXX ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 71360
Submitted Via: Web
Date Sent: 2019-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i do not know what this debt is, i never opened a XXXX account in XX/XX/2018, i did an XXXX dispute and they wont take it off my credit report. i've had XXXX for 7 years. Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$730.00} {$730.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2019-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX account added to credit report for amount of {$2700.00}. Then later updated as a collection account through internal collections, XXXX XXXX XXXX. Verification nor validation received upon request. Later received a collection debt letter from ERC, dated XX/XX/2018 stating that they were authorized to resolve account for less than amount owed for {$1700.00}. I sent a validation request to ERC. Received a response letter from XXXX XXXX dated XX/XX/2018 stating that it ( the letter ) received serves as validation that I owe a debt to XXXX XXXX. No documentation was received showing proof of validation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 765XX
Submitted Via: Web
Date Sent: 2019-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In XX/XX/2018 I filed a dispute against XXXX XXXX XXXX. The dispute was validated and removed the ac ch int from my report. Now the account is back on my report with a different credit bureau ( XXXX ). Also the start date was changed which re starts the statute of limitations. Which is illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2019-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A