Date Received: 2019-01-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I SENT A CREDIT DISPUTE LETTER OUT FOR ALL THREE ACCOUNTS ASKING THEM TO PROVIDE A TRUE AND CERTIFIED COPY OF THE COMPLETE ADUIT TRAIL WITHIN 30 DAYS OF XX/XX/2018 AND HAV N'T HEARD ANYTHING BACK FROM THEM YET.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2019-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I contacted XXXX XXXX XXXX to validate a debt that showed on my credit report as a collection. The company responded with a bill from XXXX dated XX/XX/2007. This is not proper validation as per the FCRA and the debt is beyond the statue of limitations and should not be listed on my credit report as per the FCRA. Furthermore, I have never done any business, of any kind with XXXX. I was never contacted by anyone prior to this debt being listed on my credit report. I respectfully request that this collection be removed from my credit reports until proper validation is presented that is within statue of limitations. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2019-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I called a debt collection agency ERC for a XXXX account I had found on my credit report in hopes to find out more information. I specifically called and asked for a letter or some form of verification of this account because I believed it to be fraud. The lady I was speaking to did not send me a letter nor did she take my correct information down, she just tried to force me into a settlement for this account I never knew existed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2019-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: It was reported on my credit that i owed XXXX XXXX XXXX XXXX dollars. it was reported on XX/XX/2018. The company XXXX XXXX has taken over the debt. i have since called the company between the dates of XX/XX/XXXX-XX/XX/XXXX can't remember exact date, but i called and asked if i paid off the debt will it be deleted off my credit report. i was told yes but i would have to pay in full. so i did pay in full and the money pulled out of my bank account on XX/XX/XXXX. i was then told by my credit fixing company that it shows paid but the company is still keeping it on my account. i called on XX/XX/XXXX and asked the enhanced company why is it not deleted off my account i was told they don't delete but they do show its paid in full and kept on the account. i then explained to them that's not what was originally told to me and in fact it was stated that my account would be cleared. i then told them due to this my credit score will remain in a negative light and i wasn't sure why if my account is cleared of the debt why can't it be deleted. again i was told they don't delete items off the accounts, they just say it was paid off.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2019-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Actions taken by this company on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX They Re-pinged this account on my credit report as a new credit line when it's old and it's been on my credit already since XX/XX/XXXX. Causing my credit to go down when it was already impacted by this account from XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2019-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not recognize the new inquiries on my account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2019-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This account was originally deleted from my credit report inXX/XX/2018. This collection account reappeared a few months later. This account needs to be deleted off permanently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Told them debt was not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 15136
Submitted Via: Web
Date Sent: 2018-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ERC ( XXXX noted as the original creditor ) has placed an adverse account on all three credit reports for an account which does not, did not, nor never has belonged to me. I have never used, purchased, or borrowed any products from XXXX. The negative account has caused severe injury to my credit accounts and must be removed post haste to avoid further injury and damages to me and my impending credit analysis and disposition. Furthermore, ERC failed to advise that there was a possibility that this negative account could be placed on my credit report. I have not received nor heard from ERC nor XXXX prior to this account being placed on my credit report. At least if they would have contacted me, I could have confirmed that it was an error prior to placing these on my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60139
Submitted Via: Web
Date Sent: 2018-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been fighting the have the erroneous debt attached to my credit report removed for years. In an attempt to comply with the consumer protections laid out in the FCRA I sent multiple communications to XXXX XXXX XXXX requesting the alleged debt be validated or removed from my file. Specifically : On XX/XX/XXXX17 ERC Reports to collection agencies a collection for XXXX in the amount of XXXX On XX/XX/XXXX17 I send ERC a Debt Verification Letter requesting a response within 30 days - On XX/XX/XXXX17 Debt validation letter was recorded as delivered and received by the USPS and on XX/XX/XXXX2017 I sent a Failure to Comply Letter, requesting the account be removed. - On XX/XX/17 I received a " notice of rights '' letter, that stated, " Your account has been placed in a hold status and that collection efforts have ceased at this time. - On XX/XX//17 I sent a final request to have the account removed from my profile, as it was still being erroneously reported.
Company Response: Company believes complaint is the result of an isolated error
State: WI
Zip: 54956
Submitted Via: Web
Date Sent: 2018-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A