Date Received: 2018-08-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: All of the reporting from this organization/ creditor to any credit bureau has been unauthorized & without my consent. On my XXXX credit report it shows a creditor by the name of XXXX XXXX XXXX XXXX reporting the following : Account # XXXX Date Opened : XX/XX/2017 Account Status : Balance : {$250.00}
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-07
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've contacted ENHANCED RECOVERY COMPANY multiple times and have sent them a certified letter to try to get information about an item for {$370.00} from XXXX XXXX XXXX they are trying to collect from me which I have no idea what it is or whom it's about. They submitted information back to the credit reporting agency and said that the item was validated but doesn't explain how it was. I don't know what this account is for nor whom it belongs to as I've had another service for the entire time I've lived at my place and not XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90039
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This is a notice and demand of validation of debt and dispute. ERC Account # XXXX This is a formal request for validation of debt according with FDCPA The above reference account is not acknowledge as valid and validation is requested. In addition to this request for validation. I am disputing the balance owed, the account status, the payment responsibility, the comments, the past due amount and the date opened portion of the alleged debt indicated by the above reference account. The insertion of rights to dispute should not be construed with verification or validation of alleged debt. Please provide me with the following : 1. A copy of your original contract to account # XXXX under which I accrued the alleged debt for {$2500.00}. 2. Please provide me with the name and address of the original creditor as well as proof of your authority to represent the creditor or consumer in this legal matter. 3. An acceptable form of proof would be : A power of attorney or an assignment letter appointing you for the debt or a statement sworn under penalty and perjury that the debt is valid and you are legally entitled to collect this debt on behalf of the original creditor 4. Provide me with the name and the official title and person to whom you verified this information with, their company or their computer base system used for verification. 5. Please also include the date which you communicated with that individual or the date by which the system was access. 6. As a request for validation, please provide an accounting of any monies, property name is as collateral insurance or services subject-to or arising out of the transactions that create this alleged debt obligation. 7. Please inform me of the date you opened account # XXXX 8. Please provide me a record of any payments or other reductions since the last billing statement for account # XXXX 9. Please inform me of whether your agency has a debt collection license of Florida and if not, please explain why. 10. Please provide me with the date of your professional license for debt collection along with the name of the license, the license number, the name, address and telephone number of state agency issuing the license and your tax ID number. The address of your registered agent and your business registration issued by your Secretary of State office. If you provide the requested documents, I will require at least 30 days to investigate this information you provide. During this time you must cease collection activity, do not report any negative information to the credit bureau during this validation period. If your office does not respond in 30 days, you have to remove it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-06
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Hello I am writing this because XXXX XXXX company imputed a collection account on my report. The original creditor was XXXX. I disputed this account when XXXX XXXX was on my report with same account. This account was deleted of my report they could not verify or have my signed contract. XXXX XXXX needs to delete this off my report
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2018-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: THIS COMPLAINT IS BASED ON THE INAPPROPRIATE DEBT COLLECTION PRACTICES BY XXXX XXXX XXXX IN REPORTING ME TO DEBT COLLECTORS, MOST RECENTLY ONE NAMED 'ERC ' FOR MODEMS THAT I HAVE SINCE RETURNED AND ON TIME : THIS DEBT COLLECTION ISSUE HAS TO DO WITH AN ACCOUNT I USED TO HAVE WITH XXXX XXXX BACK IN XX/XX/XXXX. WHILE I DO NOT OWE THEM, THIS IS IN REGARD TO THEIR RETURN OF THEIR MODEMS. THEY WERE ITEMS THAT I HAD RETURNED ON TIME, BUT THEY SEEM TO NOT HAVE PROPERLY SYSTEMS IN PLACE FOR RETURN AT THEIR WAREHOUSE. SO, THIS ERROR IS PURELY THEIR FAULT NOT MINE. I HAVE SINCE RETURNED THESE MODEMS USING THE RETURN SHIPPING LABEL GIVEN TO ME BY XXXX XXXX FOR THIS PURPOSE AND WHICH I HAVE ATTACHED TO THIS COMPLAINT. I HAVE RETURNED TO THEM THE 4 ITEMS THAT I HAVE EVER RECEIVED AND SENT BACK, THE SHIPPING LABEL WERE ON THE BLANK SIDE OF EACH FORM. FOR WHATEVER REASON I AM NOT SURE, BUT XXXX XXXX HAS BEEN SELLING MY INFORMATION TO COLLECTION COMPANIES ( COPIES ATTACHED ). FIRST IT WAS A COMPANY NAMED XXXX XXXX XXXX XXXX BACK IN XX/XX/XXXX. THIS COMPANY KEPT CALLING ME, SO I CALLED XXXX XXXX TO DISCUSS THIS MATTER AND UPON THEIR INTERNAL INVESTIGATION THEY DETERMINED THAT I HAVE INDEED MODEMS AND THEY WERE RECEIVED IN THEIR WAREHOUSE. THUS, WITH THAT CONFIRMATION NUMBER I CALLED BACK TO XXXX XXXX XXXX XXXX AND TOLD THEM TO CALL XXXX XXXX TO CONFIRM THAT THE DEBT DOES NTO EXIST. THEY PROMPTLY STOPPED CALLING ME OR SENDING FURTHER NOTIFICATIONS. I THOUGHT THAT XXXX XXXX HAS FINALLY AMENDED THIS PROBLEM AND PROPERLY UPDATED THEIR RECORDS TO STOP THIS UNJUST HARASSMENTS. NOT THAT THEY APOLOGIZED OR ANYTHING BUT XXXX XXXX XXXX XXXX DID CONTACT THEM AND STOPPED CALLING ME. YOU CAN IMAGINE MY DISMAY WHEN LAST MONTH, I RECEIVED THIS NOTICE FROM A NEW COMPANY ERC THAT I OWED XXXX XXXX FOR THE SAME DEBT OF {$310.00} AND I MUST PAY THE AMOUNT BACK. I REALIZED THAT XXXX XXXX STAFF MEMBERS ARE PROBABLY STEALING MODEMS AND DEVICES AND DENYING RECEIPT OF THEM, BECAUSE THESE MODEMS ARE TOTALLY USELESS TO CUSTOMERS EXCEPT TO THEIR XXXX XXXX ENGINEERS. IN ADDITION, I ALSO NOTICED A LOT OF DISCREPANCIES IN THEIR ACCOUNT INFORMATION AND HOW THEY TRIED TO RESTART AN OLD ACCOUNT AND CLAIM THAT ITS MINE AND I MUST PAY FOR IT. XXXX XXXX HAS DONE QUESTIONABLE THINGS THAT SEVERELY DAMAGED MY REPUTATION TO CREDIT COLLECTORS. IT HAS ALSO VIOLATED MY PRIVACY AND SOLD AROUND MY PERSONAL IDENTIFIABLE INFORMATION, IN VIOLATION OF THE LAW. THIS ISSUE NEEDS TO BE RESOLVED ASAP BECAUSE I DO NOT HAVE ANYTHING TO DO WITH THESE COMPANIES THAT ARE HARASSING ME.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2018-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery Co. Opened on XX/XX/2015 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. This is a violation of my consumer rights because I was unable to dispute this debt. http : XXXX My Identity was stolen. I did not have an account with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60419
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I settled this account and I am no longer liable for this account. this was settled in 2014 and they keep reporting this debt every year on my credit file, even though it was settled in 2014.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: ERC Collection For XXXX XXXX XXXX XXXX I have reached out to ERC about collection account. I explained, I paid this account in full. They should not be reporting it negatively to the 3 credit bureaus and they can verify the information by contact XXXX XXXX XXXX XXXX, and to please remove after the information is verify and they yet to complied.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2018-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This doesn't give me an option to select multiple issues with this company. For one thing, I do not know what this debt is and I've disputed it and asked them to not call me. I've also written a formal letter about the debt. I decided to answer a call last night from an unknown number that happened to be them calling again. Upon answering the phone, I had to say hello repeatedly because no one answered. Finally, when someone decided to answer they said, " Are you okay? " ... HM, that's strange, you called me ... decided not to say anything for a good 10 seconds and you're asking if I'm okay? After that little conversation the girl, who claimed to be XXXX, wouldn't stop arguing with me and raising her voice. I tried multiple times to get the company name, where they are based out of, a different phone number, her full name, why they won't stop calling, among other questions during this conversation. XXXX, only wanted to tell me her first name and the company name, ERC. She provided no other information and tried to dispute the FACT that they won't stop calling me. This is unbelievable and these people NEED to stop calling me before I get a lawyer involved.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2018-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2018-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A