Date Received: 2018-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This collection agency called erc has been harassing me about a XXXX phone bill that is not mine. They show a date of XX/XX/2014 if said account. In the amount of $ XXXX.I 've disputed this several times and it was removed from 2 of the reporting bureaus XXXX and XXXX but still reports on XXXX. I've stated that by the fair credit reporting act states that if I dispute this negative item it must be resolved and removed but yet still remains. They contact me relentlessly to get my debit card information but I refuse to give it to them. Please help. I'm trying to buy a new house and obtain a mortgage and this negative item is holding that up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I've never had XXXX as a service provider. I've been going in circles trying to fight this charge on my credit report but have been unsuccessful.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90601
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed a negative entry on my credit reports in XX/XX/2018. This item was listed by a collection agency and the information furnisher and credit bureaus were not able to verify the validity of the information and it was removed. I also disputed the information and requested an investigation under Section 623 of the FCRA with XXXX, who was listed as an original creditor for the information. XXXX did not initially respond and stands in violation of the requirements outlined in the FCRA. This was sent to a different collection agency who placed it back on my credit report. I disputed the information with XXXX XXXX XXXX and the credit bureaus, as it is not mine. I have never had an account with XXXX and no proof of any contract has been provided. XXXX responded many months later after the initial dispute in XXXX, and admitted that they do not have a contract I signed at anytime with them, but insists that this account belongs to me with no proof and refuses to realize an error has been made. The collection agency ERC has not even provided proof they were assigned or purchased the debt as requested. XXXX XXXX XXXX responded to my request for validation with a computer generated printout of the alleged debt that did not prove ownership of the account, which the FTC has issued an opinion that this does not constitute validity under the FDCPA. ERC did not provide sufficient information to verify the validity of the account as belonging to me, however continues to report this information knowing it has not been properly validated. The credit bureaus claim to have verified the information, but this is not possible due to the fact that the listed creditor, XXXX, did not respond and stands in violation of the FCRA, and the fact that the collection agency reporting the debt did not respond with sufficient information to constitute validation. The credit bureaus have not conducted a through investigation in violation of the FCRA. They have not detailed their method of investigation as requested. If in fact they conducted an investigation, which they did not, they would have discovered the information was placed on my report as an error and that there has been no proof of validity or required response from XXXX. The continued listing of this information is a violation of the FDCPA on the part of ERC and a violation of the FCRA by all parties named : XXXX, ERC, and the 3 major credit bureaus, who have not complied with these requirements. To add insult to injury, the collection agency ERC even wrongly noted my credit report that their reporting is accurate and meets the requirements of information furnishers under the FCRA, but it does not. These parties involved have been made aware of the dispute and violations of consumer rights via letters I have written and have been willfully non-compliant with requirements outlined in the FDCPA and FCRA. I have attached the letters I wrote to all parties involved to demonstrate the extent of willful non-compliance on all parts with regard to this matter. The responses given and lack of proper action by ERC, XXXX, and the 3 Credit Bureaus is an attempt to falsely verify the account, to invalidate my consumer rights and violations complaints, and to obfuscate non-compliance with federal statues ( FDCPA and FCRA ) that allow for those consumer rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX is attempting to collect a debt for services that were never rendered in XX/XX/2015. Three debt collections agencies, to date, have closed the account due a lack of sufficient evidence by XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: ERC ONCE AGAIN WENT ON MY CREDIT REPORTS WITH OUT VALIDATION AND NOW MUST CEASE AND DESIST COLLECTIONS. XXXX HIRED MR TO HELP! SEE ATTACHED XXXX.
Company Response: Company can't verify or dispute the facts in the complaint
State: AR
Zip: 727XX
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i received an alert on my XXXX, XXXX & XXXX credit report that a collection was added on XX/XX/XXXX. The company XXXX XXXX XXXX XXXX and the amount is XXXX. I have attached communication from ERC on XX/XX/XXXX confirming that the account was open fraudulently and the account does not belong to me. They did delete the information from my credit report IN XX/XX/XXXX but they are now re adding the information back onto my report IN XX/XX/XXXX and THE ACCOUNT STILL DOES NOT BELOW TO ME!! THE ACCOUNT THEY HAVE IS FOR SOMEONE ELSE THAT FRAUDULENTLY USED MY SOCIAL SECURITY NUMBER! AS YOU SEE IN THE NOTICE THEY STATED A " XXXX XXXX '' WHICH IS NOT ME AND THE CONTACT INFORMATION THAT IS NOTED IS NOT MINE! THE COMPANY IS DOING FRAUDULENT THINGS BY REMOVING THE DEBT THAT DIDN'T BELONG TO ME AND THEY ARE NOW RE ADDING THE SAME DEBT WHICH THEY ARE NOT ALLOWED TO DO!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
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: I received a letter from Enhanced Recovery services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from enhanced recovery services. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying enhanced recovery services, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted enhanced recovery and they denied removing from my credit report. I disputed the item with XXXX and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what enhanced recovery stated vs the proof that I was refunded the amount i paid them proving I did not owe them money
Company Response: Company believes the complaint is the result of a misunderstanding
State: IN
Zip: 46256
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it. XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine! ERC - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine! XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX collections???? OMG!!!! it is not mine! XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84074
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have contacted this company several different times and have asked for the original contract with my original signature on it, I have yet to receive any of this and it's been well over 30 days.This is an invalid account with inaccurate information in it and I demand this be removed from my credit report.Its ruining my credit score that I've worked hard to build.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Amount they are claiming I owe XXXX : {$80.00} They have called my personal cell phone number from the number ( XXXX ) XXXX on the following dates and times : XX/XX/2018 at XXXX XX/XX/2018 at XXXX XX/XX/2018 at XXXX They also used the following number on XX/XX/2018 at XXXX : ( XXXX ) XXXX I have received multiple collections letters in the mail claiming to be coupons and other misleading things from this company. On XX/XX/2018 this company called my girlfriend on her personal cell phone number at XXXX from the number XXXX XXXX XXXX XXXX. They also called her number on XX/XX/2018 at XXXX from phone number XXXX XXXX XXXX XXXX When answered the calls are completely silent. Upon calling them back it's revealed that its this collection agency. This debt is originally owed to XXXX from a no contract phone service. They keep reporting to my credit as a recent debt to keep collecting. I've checked my credit reports and their claim keeps getting updated as if I just acquired it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A