Date Received: 2018-08-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX hired a 3rd Party to get people to switch phone companies. It was a better offer, so i decided to go with the plan.I went into the XXXX store to get the phones activated and the people in the XXXX store told me the 3rd party had done the switch wrong, so they told me they would cancel the first account and create a new one and notify the 3rd party what had been done. Apparently, the 3rd party was never notified so I was being charged on that account as well. This was all done in 2014 and XXXX XXXX is not showing a date of last activity on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced recovery company {$970.00} Opened XX/XX/XXXX Last reported XX/XX/XXXX Enhaced recovery company XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX I have no idea what this debit is.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt was attempted to be collected by XXXX last year they could not prove I owe the debt because I do not owe the debt had to be removed from my credit report. They have since sold the debt after removing it a month ago to Enhance Recovery XXXX XXXX XXXX XXXX FL XXXX for {$1200.00}. They are now reporting this bogus debt to my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Receive robo calls from a firm identified as ERC. Have blocked their number XXXX with my provider XXXX, which worked for awhile but now are being repeated daily. XXXX advises ERC uses multiple numbers which defeats the blocking feature. They advised me to report this to you and that you would follow up on their violation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-30
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX is reporting closed and paid accounts as still open. This is still having a negative effect on credit score. They are using too many accounts with balances that are paid off and closed to deny credit. Derogatory public records or collections filed. Too many accounts with balances. Proportion of loan balance to loan is too high. After reviewing my credit report I noticed several errors. XXXX XXXX is reporting all accounts including loans paid off and no longer active as total dept and balances. They are reporting to lenders that I have to many derogatory comments and collections. The credit reports show only 2 collections filled against my report. One for {$180.00} and one for {$780.00}. They are reporting too many accounts with balances. That is because they are not telling lenders accounts that are closed and paid in full as open accounts with balances. They a reporting the wrong income to ration ratio on credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2018-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Name of company ; XXXX XXXX XXXX original creditor name ; known as XXXX XXXX XXXX XXXX XXXX balance is {$1700.00} Date open XX/XX/2018. Steps taken written a handwritten letter to please take off as I don't know about this at all and I have called.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2018-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/2018 I paid {$200.00} to XXXX as a settlement payment and they still will not remove the item from my credit report. XXXX XXXX XXXX. Handled the debit for them.
Company Response: Company believes the complaint is the result of a misunderstanding
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2018-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'VE BEEN RECEIVING PHONE CALLS AND DEBT COLLECTION LETTERS FROM THIS COLLECTION COMPANY ERC ON THE BEHALF OF XXXX XXXX XXXX I REPEATEDLY ASKED FOR DEBT VALIDATION BUT GOES IGNORED ONLY RESPONSE FROM THEM IS THIS DEBT WAS REPORTED VALID FROM THE ORIGINAL CREDITOR. I HAVE NEVER HAD XXXX XXXX XXXX SERVICE SO THIS IS NOT MY DEBT. I AM REQUESTING DEBT VALIDATION IMMEDIATELY ON THIS ACCOUNT OR REMOVE IT IMMEDIATELY FROM MY CONSUMER REPORTING FILE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: while checking my credit report with XXXX i noticed an account that stated that i was derelict in the amount of {$640.00} but was a balance of {$0.00} as present.i have no knowledge as to where this comes from. i have never had any relationship with this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23504
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I do not have a signed contract and or knowledge the company ERC which also goes by the name of Enhanced Recovery Company. The mentioned company has placed a debt collection as a derogatory mark on my credit as a third party debt collector agency for XXXX XXXX. The amount shown to be owed is {$1600.00}. It is against the law to collect on a debt that is not associated with the original collector and ERC has failed to provide documents that show I had a contract with them! and being that they are not able to provide the documents for the validity of this debt they have to remove the debt and I am requesting that it is removed immediately! I am not responsible for this debt and would like it to be removed from any credit bureau that it is shown. I have repeatedly received threatening correspondence related to this debt but no validity of the debt!! If the debt is not removed from all 3 Credit Bureaus as requested I will be seeking a lawyer as the debt is erroneous and not owed to ERC
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A