Date Received: 2018-05-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Beginning on XX/XX/XXXX, I've sent numerous notarized written documents to XXXX advising of my dispute and requested validation of a closed XXXX/ERC collection account - XXXX that was being reported on my credit ( verified/certified proof of USPS delivery on XX/XX/XXXX attached ). XXXX simply kept returning copies of my credit report with a statement they reached out to the creditor each time I requested and the account had been verified. No other information was provided as to the process of verification and no validation documents were ever remitted. On XX/XX/XXXX, I filed a complaint with the CFPB ( Complaint XXXX ) against XXXX for violating my rights under the FCRA. Shortly thereafter, I FINALLY received a letter from ERC, dated XX/XX/XXXX, advising they received my request for validation and they have enclosed documentation as it relates to the account referenced above. The enclosed documentation was 3 months of CURRENT XXXX bills. There was no validating information such as my signature included. I contacted ERC on XX/XX/XXXX and verbally verified they had in fact received my dispute. If XXXX is truthful in that they were in fact sending the disputes to ERC since XX/XX/XXXX, ERC is in violation of the FCRA. If ERC ONLY received the request for validation after my CFPB complaint, XXXX has been deceitful and in violation of the FCRA as they have previously claimed in several written documents ( as well as recently in their official and public response to CFPB Complaint XXXX on XX/XX/XXXX ) that Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I cancelled my service with XXXX via phone in XX/XX/2016 and made sure my account was paid in full. I never received anything from them again. not a single bill. so I assumed it was cancelled successfully. A year later, I see my credit report and there is a debt collector on there trying to get money for XXXX ( {$510.00} ), saying I never cancelled. I explained what happened to them and asked them to investigate. They said they verified with XXXX and nothing they can do. I then contacted XXXX and they said they'd open an investigation but I never heard back and when I called them back again, they said they had no record of the investigation being opened! I disputed on all my credit reports ... to no avail. I asked XXXX to provide me with statements or some type of evidence and they could not. Nor could ERC collection agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Company is reporting this on my credit report to Credit Bureaus XXXX XXXX and XXXX. They have not provided me with any information to verify this was my debt. I never heard of this company and I do not owe any debt to this company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2018-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Background : This account was set up in my name by a former associate using identity theft. I have disputed this account for years including recent certified/notarized disputes to the credit bureaus that ERC didn't respond to for over 4 month ( I will be filing a CFPB complaint on that immediately after this one as well ). However, due to an upcoming potential career change ( with an accompanying credit reporting investigation as part of my background check for my new employer ), I have decided to pay this account in full versus continuing the damage on my credit. -On XX/XX/XXXX @ XXXX, I contacted ERC and spoke with representative XXXX XXXX ( ID : XXXX ) in regards to making a payment arrangement on this account. XXXX asked if I was admitting to the debt and I advised I was not. I verified the address on file was incorrect ( as the debt was never mine to begin with ) and I also declined her settlement offer but opted to pay the balance in full with arranged payments. She asked if I would be putting a card or checking account on file for automatic payments. I advised I would rather call in and pay by phone. We agreed and XXXX then emailed me the terms ( due dates and payment schedule included ) of said payment arrangement on ERC 's official letterhead. On Friday XX/XX/XXXX, I called and spoke to rep XXXX XXXX to make my first payment. I advised I wanted to make 3 payments ( totaling around $ XXXX+ a {$4.00} processing fee ). He said I needed to speak with his supervisor as he didnt know how to take 3 payments. The supervisor then made a huge unnecessary production that I was paying more than the arranged payments. Eventually after an utterly banal and irritating conversation, she finally took my payment but when I asked to be emailed a receipt, she agreed to do so in a huff and hung up on me. However, she never actually sent me a receipt but instead a statement showing I made NO payments. When I immediately called back, another representative apologized on behalf of ERC that the supervisor didnt tell me that their system couldnt generate a receipt until Tuesday XX/XX/XXXX. However, she said ( several times in the conversation ) that ERC updates the Credit Reporting Agencies weekly and my credit report should reflect the decreased balance by then as well. On Tuesday XX/XX/XXXX, just as the last representative advised, I received an alert from my credit monitoring ( set up directly through FICO ) that my overall collections balance had decreased by {$170.00} and my FICO 8 score went up 17 points. On Saturday XX/XX/XXXX at XXXX, I called ERC to get my official receipt and spoke with representative XXXX . I also inquired as to the current balance/status of my payment arrangement as I started receiving collection calls a few days before. XXXX then told me that I no longer had a payment arrangement in place and that was due to the fact that I paid MORE than the arranged amount the week before. She then transferred me to the supervisor I spoke to before. When I asked why my payment arrangement would be cancelled for making MORE than what was required ( which is what XXXX told me just a couple minutes prior ), the supervisor stated I was completely incorrect and that the arrangement was actually cancelled because I didnt give them any auto draft banking information. Mind you, I already had the conversation about not leaving a debit/credit card on file when I set up the arrangement in the first place. When I brought this to the supervisors attention, she told me that I was wrong again and that the arrangement wasn't cancelled but I NEVER had a payment arrangement on file. When I told her I literally had the terms of my payment arrangement IN WRITING, I was basically told I was wrong in understanding the language of the payment arrangement. Mind you, the payment arrangement document CLEARLY reads If you have agreed to a payment arrangement, the summary page will reflect that arrangement, otherwise it will state no payment arrangements currently on file. Guess whats on the summary page? The terms of the arrangement. Ill admit at that point it was a contentious call as nothing she was saying made any common sense. After disconnecting, she then sent me a document nearly IDENTICAL to the prior payment arrangement reflecting my new lowered balance but instead of due dates, it was now marked no payment arrangements currently on file in the summary page where the arrangement was reflected previously. It also showed I was actually charged a {$9.00} processing fee for paying over the phone instead of the agreed upon {$4.00}. Chalking it up to a scorned collector on a power trip I decided to let it go and carried on with my day. That was until I got ANOTHER real time FICO alert just a few hours later. However, this time it stated my collection balance had now INCREASED {$170.00} and the balance was changed to reflect the previously HIGHER amount. I called ERC and the representative assured me that " the supervisor was really such a nice lady once you got to know her '' and she didnt think the supervisor was capable. As I am literally in the process of a credit and background check for a new job, any recent/increasing collection debt can have real and immediate damages/consequences for me. I was the one that took it upon myself to initiate the calls to ERC to set up and make payments, not the other way around. Me cleaning up my credit is of the utmost importance. It's so incredibly important to me that I'm paying debt that I personally never incurred in the first place. Low level customer service representatives with a bad attitude should not be able to use consumer credit reporting as their own personal way of 'getting the last word ' on customers that challenge them ( regardless of how nice they are to their coworkers ). I have attached all corroborating documents to show the timeline of what happened here and will be filing a complaint with the XXXX and contacting ERCS office of the President on tomorrow. This is a huge deal and will be treated accordingly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX placed a notice on my credit report with XXXX stating that I had an account in collection from XXXX XXXX XXXX XXXX. I contested this item on XX/XX/XXXX because I had always paid my XXXX XXXX XXXX account on time and in full. As a result, the XXXX XXXX item was removed from my credit report. Then on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX placed a notice on my credit report with XXXX stating that I had the same XXXX XXXX XXXX Account in collection. I contested this item on XX/XX/XXXXbecause I paid my XXXX XXXX XXXX account on time and in full, and because the item had been removed from my credit report. As a result of of my dispute of the item, it was again removed from my credit report on XX/XX/XXXX. On XX/XX/XXXX -- in spite of the item having been removed from my credit report two times previously -- XXXX XXXX XXXX again put same adverse notice on my credit report. I have again disputed the item, but I should not have to keep doing this. XXXX XXXX XXXX is violating my rights under the Fair Debt Collection Practices Act and is damaging my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2018-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: this is a false collection letter from ERC FOR XXXX XXXX I HAVE NEVER USED XXXX XXXX. IT'S A SCAM
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2018-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2018-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a letter Dated XX/XX/18 stating owed XXXX to XXXX XXXX via XXXX XXXX XXXX. Received numerous phone calls trying to acknowledge debt. NO CONTRACT ON FILE stating obligation to owe or NO SIGNED CONTRACT and NOT AWARE OF DEBT stated to be collected. I am NOT the owner of this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40517
Submitted Via: Web
Date Sent: 2018-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My wallet was stolen which has resorted to my identity being stolen and someone obtaining a mobile phone in my name this is not mine. Its reporting on my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I do not have a signed contract or any contract with Enhanced Recovery company.I have never done business with this company.I am not liable for the debt from XXXX.I am not responsible for this debt from enhanced Recovery company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2018-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A