Date Received: 2018-09-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: so i pay XXXX to this company, after a few attempts to get a proof of debt, i receive the same bill 4 times. none on them explain the amount own, so for almost 3 month i been dealing with the collection agency to get a refund of the amount i already pay, because they couldn't proof the i own the amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01841
Submitted Via: Web
Date Sent: 2018-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX, turn my account over to a collection agency, without notifying me. XXXX tried to collect money that I did not owe. They tried 2 times before, and I went into Assemblyman XXXX XXXX office and it was determined that I did not owe XXXX. XXXX sent the bill to a collection agency and I asked the collection agency to validate the bill and they were unable to validate, and they removed the item from my credit report. XXXX then sold the account to ERC collection using an old old address in the state of Arkansas and I was not notified, until the ERC collection had allowed the time to run out, past the 60 days that I had to dispute the bill. I am asking that these charges be removed from my credit report immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX in XXXX Florida could not provide me accurate information to verify I was the individual that obtained the debt they had showcased on my three credit reports. With that being said, ERC has removed the debt ( XXXX Phone Bill ) from my XXXX credit report but has yet to remove it from my XXXX and XXXX. Every time I try to call ERC, I am transferred to a handful of different departments and then place on hold because no one seems to want to help me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2018-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This dispute is in response to mailed correspondence from your firm to collect a debt that I contend was not opened by me. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX XXXX XXXX / ERC is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I require verifiable proof ( an original Consumer Contract with my signature ). I require this physical verification within the next 30 days during which I request that XXXX XXXX XXXX XXXX / ERC cease and desist all collection efforts. Reporting this debt to credit reporting agencies without proper verification would negatively impact my ability to obtain credit and my next course of action will be litigation. If verification is not received within 30 days of this dispute under FCRA, unverified account reporting must be remove from all of my credit reporting agency reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: ERC had contacted an acquaintance of mine, stating that they were calling from XXXX XXXX, left their name, a reference number and return phone number, enabling this person to look this information up via internet and discover what this call was about. To my knowledge, I have not received any calls or messages from this company. They violated my privacy and personal information.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 47711
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/2018 enhanced recovery company claims XX/XX/XXXX I owe XXXX {$790.00} but I've had this debt long ago. They never contacted me through mail in an attempt to collect this debt and give me an opportunity to dispute this debt. They did how ever hire someone to harass me at my workplace to get a hold of me. Which I thought was truly disrespectful and unprofessional
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2018-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested. They have continued to report this inaccurate and unverified debt to the three major credit bureaus XXXX, XXXX, XXXX XXXX ) and third-party credit reporting repositories. This is creating major issues for me, such as : higher interest rates, lower credit score, job declines and application rejection due to the outstanding balance of the alleged balance owed. On XX/XX/2018 I mailed certified letter # XXXX requesting validation of this alleged debt being reported on my credit report. On XX/XX/2018 at XXXX XXXX. this company signed for the letter but has failed to validate this alleged debt. To date XXXX XXXX XXXX continues to ignite .my requets. They have willfully violated my consumer rights according to the Fair Debt Collections Practice Act. Specifically, I requested the documents from their files they used to verify this account. Under the FCRA, I have a right to demand disclosure of all the documents they have recorded and retained in their files at the time of my request concerning this account they are continuing to report on my credit file. All unverified accounts must be deleted. Who verified this account? What documents were used to verify this account? Where are the documents they used? It has been seven months from the time of my initial request for validation and to date they have wrongfully ignored and violated my consumer rights by refusing to validate this alleged debt. XXXX XXXX XXXX is in direct violation for continuing to report and verify this account with the Credit Bureaus without providing me the documentation and evidence as requested seven months ago. It is my connection that XXXX XXXX XXXX can not provide evidence that I am contractually obligated to this account and as a result, are in direct violation and totally disregarded the law.
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2018-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I switched service providers from XXXX to XXXX due to coverage issues. I went to the retail store and turned in equipment and paid the account balances to {$0.00} on XX/XX/2018. I received a new bill in early XX/XX/XXXX for {$140.00} ( another month of service. ) I called and disputed this immediately, and the agent on the phone agreed to remove the debt. In XX/XX/XXXX I noticed in the mail another letter from XXXX saying I still have a debt, again I called and they said they have no record of the previous call, and that they will open up a dispute of the debt. A few weeks later I start getting calls from a debt collection agency ERC and then eventually a letter from one saying XXXX sold them my debt. I verbally disputed the debt, and said I will only deal with XXXX. I called t-mobile again and they again, said they will open up a dispute. XXXX nor the debt collector does not have a detail record of the billing period that they are claiming I was charged for, but I left their service in late XX/XX/XXXX and paid the balance owed by XX/XX/XXXX. The debt collector reported this on my credit report even though it is still being disputed. I had a high XXXX score, this one thing knocked it down to XXXX and is preventing me from some lending. I've attempted to pay or negotiate the debt with both XXXX or the collector but admit no wrongdoing just to make it all go away, but the collector will not remove this from my credit. The fact that they sold a debt to collector that is being openly and honestly disputed, and then do not provide me with adequate billing information, then on top of that destroy my consumer credit is an unfair and unjust process.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34986
Submitted Via: Web
Date Sent: 2018-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am Submitting a formal Complaint to XXXX in reference to XXXX XXXX XXXX telecumunication Cell phone provider Under the Fair Debt Collection Practice Act.XXXX XXXX XXXX whom I had prior Service original date XX/XX/XXXX to approximat date of termination XX/XX/XXXX.because of the excessive charges and overcharged on monthly service, I terminatated my service with XXXX XXXX XXXX I paid off my last outstanding Bill of {$390.00} which I believe was incorrect, on XX/XX/XXXX new charges were XXXX at {$830.00} I have Documents as proof and will submit to CFPB moving forward to XX/XX/XXXX I contacted XXXX XXXX XXXX and disputed the excessive overcharged XXXX XXXX XXXX ignore my formal dispute approximately two years went by and on XXXX XXXX XXXX, I received a Collection Letter from XXXX XXXX XXXX Company XXXX XXXX XXXX FL XXXX for the amount of {$830.00} an Unvalidated unverfied Debt that the Unvalidated Acct placed for Collection and if I didn't pay within 30 days they will report to the 3 CRAs Repositories the bad debt on XXXX and XXXX I sent ERC Collection a Certified Validation Letter to dispute charges ERC Receipt my dispute and again failed to validate acct under the Fair Debt Collection Practice Act I needed complete Validation as legally requested I have Documents to submit according to FDCP 15U.S.C.169g of the FDCPractice on or about XX/XX/XXXX I received letter again from ERC and ERC wanted to Settle unverfied debt before they post negative to Credit bureaus two weeks past I received notice from Credit bureus that a ERC posted Derogatory remarks and Collection dropping my good credit score XXXX points! this has done Great intentionally damage to my credit score and intentionally act by ERC Collection Company whom were not in compliance with Validation Rules implented by the Fair Debt Collection Act and practice.I am absolutely certain that the items I Disputed were incorrect Unvalidated I am excercising my rights Under the FCRA 611 ( a ) ( 7 ) .to validate and received complete Description If any action which is considered detrimental to any of my credit reports ERC Fragrantly continued to place this Collection activity unverfied acct knowing well Creditor furnisher never implemented or Legally Verified these erroneous Accounts I will consult with with legal counsel and if ERC fails to Delete these Derogatory Mark 's I am a Latigous person and will pursue litigation in the interim further more I am a XXXX Military retired Veteran who has work very hard in established good Credit I have previously sent my Second Letter to ERC to validate the debt they claim under the FCDC Act and all I received was an itemized list of aledged charges they claim this does not meet Federal Trade Commission guidlines of what constitutes proper Validation under the guidlines and procedures when a Furnisher provids information to CRAs to insure the accuracy of informattive they post and is 100 percent accurate they most establish and implent written policies and procedures regarding the accuracy and integrety of informattive they furnish to the CRAs and Guidlines FCRA Section 623 ( a ) ( 1 ) ( c ) and ERC did not conform to these standards please note I have also received phone calls and Predetory messages in an attempt to collect a debt I believe was never legally Validatted in Violation of my privacy rights to sumerise I do hope by posting this negative action by a collection agency ERC that I am formally demanding to excercises my rights and delete this Derogatory action from my Credit report Defamation action by ERC .thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-13
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 XXXX XXXX. 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.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2018-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A