Date Received: 2018-11-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have an unverified account from XXXX XXXX. I had previously disputed this account. I have never done business with XXXX XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92553
Submitted Via: Web
Date Sent: 2018-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Consumer Financial Protection Bureau, Please review the attached letter that details the issue with XXXX XXXX XXXX and XXXX. I disputed the account showing up on my credit report at beginning on XX/XX/2018. I received the attached response from XXXX XXXX XXXX On XX/XX/XXXX. Please help resolve this issue. Thank you, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44118
Submitted Via: Web
Date Sent: 2018-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Re : XXXX XXXX XXXX XXXX acct. # XXXX Dear XXXX XXXX XXXX XXXX , I never received any written correspondance from this company. XXXX XXXX XXXX XXXX added a collections to my credit reports with XXXX, XXXX, and XXXX that results from crime ( s ) that were committed against me. This is invalid. I did not received any services or goods from the original creditor. However, I am still held responsible for this debt. You are hereby in violation of the FAIR DEBT COLLECTION PRACTICES ACT by adding a collection to my credit reports without my knowledge.In addition, you are also in violation of THE FAIR CREDIT REPORTING ACT by reporting inaccurate information to the above-mentioned credit reporting agencies. You were by the 3 following credit reporting agencies not only were you froward copies of an FTC identity-theft report but also a sworn copy of an identity-theft affidavit. Still you fail to comply with laws enacted by congress to alleviate consumers of debts as a result of identity-theft. Failure to comply shall lead to litigation for defamation of character, whereas associating my name with debts I do not owe and various violations of THE FAIR CREDIT REPORTING ACT and FAIR DEBT COLLECTION PRACTICES ACT. This is a declaration that I am exercising all my rights as a consumer and victim of identity theft. Lastly, having a debt I am not liable for after origin of such debt is given is a deliberate violation of the aforementioned acts all enacted and legalized by Congress and The Attorney General to protect consumers against unlawful collections and reporting of information to credit reporting agencies.
Company Response: Company can't verify or dispute the facts in the complaint
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-19
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 {$1900.00} Account was settled with 11 XXXX ... grave errorsfalse claim and reportingI want this account removed immediately or litigation may follow. Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. You can not collect a debt twice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2018-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt was disputed and removed from my credit report when it was reported by another collection agency. Apparently it was sold to a different collection agency and has reappeared on my credit report. Not sure why another Collection agency is now reporting this false debt. I had disputed the debt directly with the previous collection agency and they had removed the item from my credit reports. Now a new company XXXX XXXX XXXX is reporting the same debt. This seems like a way to keep this item on my credit reports for a longer amount of time even though the debt is not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90278
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-16
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: The caller will ask for my address and say they have all my information, but need me to confirm my address. They say they are calling in regards to a personal matter and will not tell what it is. I have answered their calls at least three times and told them that I will not confirm my address until the tell me what they are calling about but all they will say is that I is for personal matters.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2018-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2018 I sent ERC a debt validation letter and today XX/XX/18 I recieved a letter from them stating the debt was validated with a bill. Which is not validation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76006
Submitted Via: Web
Date Sent: 2018-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company has been calling my number which is registered on the FTC do not call list from different spoof phone numbers every since I bought this phone a few months ago. They called today from XXXX XXXX XXXX which is my area code in XXXX California but when I called them back I got a recording saying they were closed and to call back before XXXX XXXX eastern time. I do not owe any money to these people and I am sick and tired of having my life interrupted to tell the XXXX I am not the person they are seeking. They continue to ignore me and call anyway at least twice a day. The recording identifies the company as " ERC '' but I have never heard of this third party debt collector nor have I ever received any mail from them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92284
Submitted Via: Web
Date Sent: 2018-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: After I settled my debt with Enhanced Recovery Co. I requested for them to remove the account from my report, which they have blatantly denied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2018-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-12
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: The debt collector was not forthcoming in establishing the reason for the call and claimed to be recording the call for training purposes but the nature of the questions and desired answers were very suspicious. They seemed to want to corner me into saying certain phrases and words or as opposed to an organic question and answer conversation. The methods were similar to unorthodox methods used by fraudulent debt collection companies in the past that recorded strategic parts of a call to construct false narratives and claims in order to pursue unnecessary and exaggerated ( and often illegal ) actions. I told the debt collector that I had just returned to the United States and had reached out to the original company ( XXXX ) earlier in the year to handle the debt. They were not satisfied with that answer, became insistent that I was stalling and I hung up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2018-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A