Date Received: 2018-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against Enhanced Recovery. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent three debt validation letters and they respond with a copy of a bill. They were all sent certified mail. The mailing dates were XX/XX/2018, XX/XX/2018 and XX/XX/2018. They are claiming I have a balance of {$740.00}. I do not own this debt and would like to file a complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33702
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my credit report, I have discovered an inaccurate listing from ERC Company or XXXX reporting an amount of {$1400.00} with XXXX, XXXX and XXXX credit reporting agencies. I have never had a contract or received services from ERC Company or XXXX, which has ultimately resulted in ERC or XXXX failing to VALIDATE by providing a signed contract. This has been on my credit report for four years, I have disputed this on numerous occasions, I have reached out to ERC Company or XXXX for validation ( a signed contract ) and not verification ( account summary ) but ERS has only verified the account information, which anyone could have used my personal information to initiate this account and they have failed to provide the requested information. This account has three different phone lines and I have never had or used any of these cell phone numbers. In this case, I am truly not reliable for collection for this debt from ERC or XXXX. I sent debt verification letters to ERC and the credit bureaus requesting the original signed contract and the account summary on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and once again XX/XX/XXXX. On XX/XX/XXXX, ERC reported to the credit bureaus that my account was being reinvestigated and on XX/XX/XXXX they stated that they do not have to obtain a copy of the original wet ink sighed signature or simply provide the original contract confirming that I had an account and I personally signed a contract with XXXX ( attached ). Please also see the last claimed filed for the exact same information. I have also filed two claims through the XXXX/CFPB and they were closed due to being duplicate request, however, I have been instructed to submit this claim once again due to ERC failing to respond on the last claim submitted. The collection agency has confirmed ( see attachment ) " Please note that the FDCPA does not define verification beyond the above language. It also does not require the debt collector to obtain a copy of the original contract. As indicated above, ERC collects on behalf of our client, XXXX. ". They are confirming that they do not have a copy of the original contract and I requested specific verification and validation. If they are XXXX clients, then they should have no issues providing the original or wet ink signature contract. No other contact was made until XX/XX/XXXX dispute. Once again ERC has only provided a four-page account summary document from XXXX in the amount {$1400.00} ( see attached ). A bill is not proper validation of the debt and if they are acting on behalf of XXXX, there should be no reason why a signed contract cant be provided. Which each dispute, I have never refused payment and it appears they are attempting to force this debt on me instead of providing facts and consider that this account will continue to be disputed for reasons that it is invalid. In conclusion, I have disputed this collection account with all three credit bureaus and ERC has not provided any information, contract or adequate proof, that I signed a contract with this company and that I owe the amount listed. I have never had a contract with either ERC or XXXX. Please advise ERC to provide a signed contract or delete this account from my credit report. If needed, I will start with filing a police report, follow up with the attorney general 's office, FTC, XXXX, CPFB and anybody else in regard to this account. Please have ERC remove the negative report against my SSN with all three credit reporting agencies ( XXXX, XXXX and XXXX ). Lastly, to remove all personal information from all accounts in this company database. In addition, the business has agreed to have no contact in any form with me regarding this account now or in the future.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2018-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company has reported on my credit an amount {$470.00} without notification again. This is the 4th time this company has attempted to report on my credit WITHOUT prior written notification. Even after several request no one has been able to provide proof that this account belongs to me! I am required by law for debt validation along with proof that they are allowed to collect on this supposed debt. The original dispute occurred XX/XX/2017 and seems to resurface every 6 months after being require to remove, this is illegal on the company behalf.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2018-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX mailed out a debt Validation letter to the company asking them to validate, the debt and not verify the debt, and not by sending a bill as a form of validation, that they failed to reply within 30days and have reported to the credit bureaus false or unvalidated debt which they are in violation of the fair credit act.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2018-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-27
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: A personal loan, and credit card, and a XXXX XXXX account were fraudulently opened on my behalf with in XXXX XXXX, Co. I have never resided or was stationed in XXXX XXXX, CO at the addresses list in the accounts. I have been trying to get these accounts closed since XX/XX/XXXX. When I was made aware that my personal identifiable information was included in a data breach with the US Office of Personnel Management. The following accounts were open : XXXX XXXX XXXX XXXX Personal Loan : - $ XXXX- currently charged off. Credit Card : - $ XXXX- currently charged off. XXXX XXXX ( XXXX XXXX XXXX ) : - {$120.00} - currently collections I have requested information regarding these accounts from XXXX, and to no avail. XXXX XXXX has sent me a fraud account letter which I have completed and returned back to XXXX XXXX XX/XX/XXXX. I have disputed these accounts 3 times with all three credit Bureaus, they have temporarily removed the accounts, and 30-60 day they would return.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Company has failed to follow through with just removing this account from collections even after it was originally stated that this was an identity theft issue -- I did attempt a few payments ; and still nothing has adjusted or been completely removed. I would like this entire account to be removed from my credit report immediately so I can move on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 783XX
Submitted Via: Web
Date Sent: 2018-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX claims I owe more than {$150.00} for a router I had returned. ( XXXX XXXX XXXX XXXX XXXX acct. # XXXX final bill shows I am due a small credit ). Also erroneous reporting to credit bureaus has negatively impacted my credit scores and XXXX XXXX XXXX has turned the account over to collection agencies. Establishing a XXXX account with XXXX XXXX XXXX was for internet services from XX/XX/XXXX XXXX XX/XX/XXXX, and the contract was for {$44.00} per month discounted as I had previously purchased a XXXX router. Shortly afterward the router failed while under warranty and it was replaced. I sent the defective unit to XXXX XXXX XXXX per their directions and it was received by XXXX XXXX XXXX on XX/XX/XXXX. During the following months calling the XXXX XXXX XXXX XXXX department ( from XX/XX/XXXX XXXX XX/XX/XXXX ), they had to make an adjustment of {$7.00} overcharge from {$52.00} to {$44.00} each month as I was not renting a router. In spite of talking to their rep and providing the UPS tracking number, at the end of the contract period XXXX XXXX XXXX still claims I owe {$150.00} for a router I had already returned. Attached are confirmations of the equipment sent and acknowledgment from XXXX XXXX XXXX of receiving the equipment. However, due to XXXX XXXX XXXX actions the major credit bureaus have lowered my credit score and XXXX XXXX XXXX has forwarded the erroneous information to collection agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2018-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/18 I have been receiving debt collection mail at my address for a person unknown to me. This has been a recurring event looking for XXXX XXXX or XXXX XXXX over the past two years. Until now I have not responded ; now I believe that the association of my address and my first name may have an adverse effect on my credit. The parties are : ERC, XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX collecting for XXXX XXXX, XXXX XXXX, XXXX, IL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93003
Submitted Via: Web
Date Sent: 2018-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company XXXX XXXX XXXX a collection agency date XX/XX/2018 is charging me XXXX dollars where, I downloaded the cell phone equipment to the XXXX company. Where is affeting me in my Credit bureau and I tried to talk to them but they want to be paid that amount of money, where I do not owe that money ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29621
Submitted Via: Web
Date Sent: 2018-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A