Date Received: 2018-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As permitted by the FDCPA, I sent a letter to Debt collection company ERC ( XXXX XXXX XXXX ) asking them to validate a debt they have continually harassed me about. They sent me a letter months ago stating they that they will no longer pursue this debt. This response was due to the fact that I asked for validation before and they could not provide it.. This supposed debt they say I owe they have failed to validate as required by the FDCPA. This letter was sent certified mail return receipt and ERC received this letter on XX/XX/2018, signed for by XXXX XXXX. I attached below a document showing evidence of this signature. My letter asking them to validate this debt has gone without response and they have unlawfully placed this on my credit report. Once this letter is received, the collection agency must stop attempting to collect the debt and remove it from my credit reports until they supply validation. This company however has gone out of their way to defame me by putting negative information on my credit report unlawfully. This is grounds for a lawsuit. It is quite clear they do not have what is required to validate this account and must stop contacting me and remove the fraudulent entry from all three credit bureaus right away I attached a copy of the return receipt I got proving they received my letter and willfully did not respond but broke the law instead.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: No knowledge of debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: All the information that was sent directly to this company in XXXX from the Identity Theft report and Police report was used against me to verify the account to the credit bureau in XX/XX/2018 when asked for proof of account ownership after several issues of this company not handling the identity theft as it is and instead requested identifying information from me even with the supplied police report and Identity Theft report. With collected information such as copy of my ID and other identifying information this company still proceeds to say this collection is accurate and has made several attempts to collect the {$1100.00} even though I'm a victim of Identity Theft.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2018-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got a text alert from the credit bureau 's that someone had recently filed a collection on my credit file under a name other than mine. It was dated XX/XX/2018 from a collection company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, FL for {$770.00} for XXXX XXXX which I have NEVER subscribed to or ever had. The credit bureau said a new name was added to my credit file and the collection agency filed the collection under that new name. I've read numerous posts that this company is known for this type of criminal behavior, many whom are suing this company for its illegal practices.
Company Response: Company can't verify or dispute the facts in the complaint
State: CA
Zip: 95210
Submitted Via: Web
Date Sent: 2018-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an account showing on my credit report from a company named XXXX XXXX XXXX XXXX XXXX. ( ERC ) It's showing a past due balance from XXXX for {$150.00}. I've never had an account with XXXX. Someone gained access to my Driver 's License in XXXX. A Validation letter was received from ERC on XX/XX/XXXX from me asking to show proof that it was my account. On XX/XX/XXXX, I received a letter in response to the request including old billing statements. On the billing statements, it shows my name but it shows an address that I've never lived at and it also shows mobile numbers that I've never had. They did not provide any type of contract or signature showing that this is my actual account. The is affecting my credit negatively and they will not remove it. I'm being punished for an account that is not mine. I am not in any way responsible or have any knowledge of this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2018-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-10
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been receiving calls from this company, I did not know who was calling me because everytime they call no one answers. I called them back and talked with some lady, and still didnt know who they were, she said it to fast and unclear. I just told her someone keeps calling my number, but don't say a word, I would like them to stop, she said ok and will have it stopped. On Thursday they called me again twice and both times would not answer me when I said hello ... this harassment has happened before. Including XX/XX/2018 XXXX XXXX and XXXX XXXX And XX/XX/2018 XXXX XXXX and XX/XX/2018 XXXX XXXX and XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2018-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this account was opened without my knowledge.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36605
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ERC recently sent a bill from 8 years ago on behalf of XXXX XXXX XXXX. This bill was issued in California and by California Statute of Limitations, all debt after 4 years is null and void. I explained this to ERC and sent them documentation, yet I am being still being sent letters. I am writing to enforce the FAIR DEBT COLLECTION ENFORCEMENT ACT as well as ask that this collection agency be reported for misleading the public. This debt is not valid in the State of California as it is past the Statute of Limitations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never open a account with XXXX its shows reported incorrect in my credit report pls remove from my credit history asap
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2018-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX is over charging me after breaching out a contract. I had called sprint to add a international plan into my mobile account to travel to XXXX where all my family lives, so i enrolled myself in this international plan so i wouldn't have any additional or over charges. So i had it working perfectly, but when i came back i didn't ask or requested XXXX to remove the feature i wanted to keep to be able to still speak with my family and friends back home for additional {$10.00} plus my monthly charges of {$70.00} so XXXX without my permission removed the feature then my account went overcharged.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A