Date Received: 2018-07-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Disputed with company on XX/XX/18 approximately 71 days ago. Company received my disputes on XX/XX/18 according to certified mail. It is now XX/XX/18 and I have not yet heard from company. The FCRA gives the company 30 days to respond, I have not gotten a response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35216
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX has been contacted by myself numerous times about a bill for XXXX phone service. This is not my account and I have tried getting it removed from my credit report. The balance is XXXX. I have no knowledge of this account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2018-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-02
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: Debt collector from XXXX called me at XXXX XXXX in my time zone ( mountain time ). No msg was left.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NH
Zip: 03062
Submitted Via: Web
Date Sent: 2018-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: New reporting from Enhanced Recovery Company on credit for debt with XXXX XXXX. Have reached out to XXXX XXXX multiple times and every time I have called they have no record of prior phone conversation. Disputed debt with ERC. I had tried to cancel service with XXXX XXXX 3 months prior to getting it turned off. They had charged for the equipment which was returned. They placed the debt with a different collection agency which was disputed as well. I was told I would hear back from them if there were any problems. I heard nothing. This new collection agency stated that XXXX XXXX would have had to notify me prior to them taking the account in XX/XX/XXXX. I did not receive information. The costumer service at XXXX XXXX is never able to help me and every time I call I am on the phone getting changed between departments for over 30 min or the call some how gets dropped. I have not had proper communication or notification about this debt and have tried to resolve the problem over the last year.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2018-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted this office requesting validation of this alleged debt without any response & it has been more than 30 days. I have not conducted any business with this company and have no contact with them.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This is a complaint from XXXX XXXX against ERC for ERCs failure to provide requested information for the debt alleged. On XX/XX/2018, Consumer, XXXX, received a demand letter from creditor, ERC, to which consumer ( through legal counsel ) responded on XX/XX/2018 with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/2018, ERC responded with only statements from the original account. Another letter was sent on XX/XX/18, again asking for proper documentation to show ownership of the account by ERC, a third party collector. It has now been over 3 months since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt XXXX to act in good faith and refrain from unfair deceptive or abusive acts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recently pulled my credit report I am unfamiliar with the debts ( 2 ) listed from this company I was never notified of any collection I called the number on the website ( XXXX ) XXXX I pressed ( 0 ) for an operator because i didnt have an account number when speaking with a Representative about the alleged debt once i verified my identity the rep imminently start trying to collect a payment for the alleged debt when I asked for a supervisor the rep then got rude I was placed on hold then line disconnected
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2018-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Enhanced Recovery CO L, XXXX ( ERC ) Good afternoon, I have very little information on this company which appeared on my credit report as negative for the amount of {$350.00} on XX/XX/XXXX. I received a call from one of their associates or an associate speaking as an representative for the company XX/XX/XXXX. After sitting on the phone in silence, The associate aggressively and immediately begin to ask for my name and information, but refused to tell me the reason for the call and didn't want to reveal their name and status. I am asking to have this negative report investigated and removed from my credit report. This company is reporting negative collections to my account. I've reported them and it's still reporting negative on my credit report. Thank you,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently noticed a collection account from XXXX XXXX which I have no such account as described in the reporting to the credit bureaus. I know this must be Identity-Theft or a serious error on their part. I am not the owner of such an account with XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: These peopled called threatened me. I told them it wasn't me. I pay my bills. They said this call is recorded but they wont hear it. We will ruin your credit if you don't pay even if its not yours its on your report not mines. I didn't know what to do XXXX XXXX Account Number XXXX XXXX - Account Type Collection Collection - Terms 1 Month - - Date Opened XX/XX/2017 XX/XX/2017 - Account Status Closed Open
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2018-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A