Date Received: 2023-02-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Received a flag on XXXX credit report rom Enhanced Recovery for amount of {$950.00}. After contacting XXXX I learned this was for an XXXX XXXX XXXX XXXXccount-which I don't have. Nor have I ever had an XXXX XXXX XXXX account.
Company Response:
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: There was a fraudulent activity on XXXX account resulting in a collection. This collection is from an XXXX Account that was opened in Texas in XXXX name. I have never lived in Texas. The applicant put a Texas address. The collection agency was XXXX. XXXX, XXXX After disputing with them in XX/XX/2022. I was able to get the collections removed. Now another collection agency called ERC XXXX is trying to collect on the debt. After multiple attempts to reach out to ERC Systems they are non responsive. I need this collections removed from my Credit History ASAP. I have never opened up an XXXX Account in Texas.
Company Response:
State: MI
Zip: 48042
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On or about XX/XX/2023 I checked my XXXX consumer report after receiving a text message about a change and a decrease to my XXXX score. I noticed that XXXX was reporting an collection account from ENHANCED RECOVERY COLLECTIONS I never gave XXXX written permission to report anything to my consumer report which is a violation of 15 USC 1681b ( a ) ( 2 ) and thats a violation of my consumers right to privacy which is a violation of 15 USC 1681 ( a ) ( 4 ) they have assumed a vital role in assembling and evaluating consumer credit, inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The INTERNAL REVENUE SERVICE in their publication 1212 states that collections are income to companies and their are suppose to supply me a 1099c I never received that form, so they receive income and trying to extort money from me and XXXX is aiding and abetting this extortion. I have taken the liberty to file an complaint with CFPB and will also file complaints with FTC and the ATTORNEY GENERAL
Company Response:
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I I declare under penalty of periury that the statements herein are true and correct to the best of my knowledge. I certify that I am permitted by FEDERAL and STATE LAW to dispute this alleged debt and commence this complaint. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S. C. 1001. Additionally, any false statements are punishable as perjury under 10 USC 1621. This collection that is being furnished on my consumer report is not related to an transactions that I made. I believe that a person or company- without my authorization- used my personal identifying nonpublic personal information to apply for goods, services, or money deceptively and unlawfully opened this account. Complaints are being filed with the Federal Trade Commission as well.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I previously disputed these items and havent gotten a response its been over 30 days. I have an XXXXXXXX XXXX collection that I didnt approve of, I've taken every action I could think of.
Company Response:
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Company has committed fraud and identity theft.
Company Response:
State: VA
Zip: 23323
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, ERC, on behalf of XXXX XXXX XXXX and XXXX XXXX, attempted to collect a debt from " XXXX XXXX XXXX '' by sending a letter to XXXX XXXX XXXX in XXXX New York. My name is XXXX XXXX XXXX and I do not, and have never, lived at that address. Nor have I ever had a credit card issued by XXXX XXXX or XXXX XXXX XXXX. The home at that address is owned by an extended family member and because of this I was alerted to the communication. We promptly communicated to ERC that : ( 1 ) the debt was not owed by me ; ( 2 ) I had never had a credit card issued by XXXX XXXX or XXXX XXXX XXXX ; and ( 3 ) I had never lived at XXXX XXXX XXXX. ERC indicated that they would note that the address was incorrect and that the debt was not owed by me. On XX/XX/XXXX, another letter was sent to XXXX XXXX XXXX related to this debt on behalf of XXXX XXXX XXXX and XXXX Bank. This letter was not sent on ERC letterhead, but rather only identified XXXX XXXX Services and XXXX XXXX. We called the number listed on the letter ( XXXX ) and again informed them that : ( 1 ) the debt was not owed by me ; ( 2 ) I have never had a credit card issued by XXXX XXXX or XXXX XXXX XXXX ; and ( 3 ) I have never lived at XXXX XXXX XXXX. They again " made a note on the account '' but also asked that we return the letter as " Return to Sender -- Wrong Address. ''
Company Response:
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : XXXX. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: During Covid I moved. The XXXX internet modem needed to be returned within 90 days to ups store. All stores were closed and I didn't get the equipment back within the window. I did return the equipment and have told the collection agency this and showed them the receipt. Every six months they start again even after multiple calls where I've explained the situation and told them nothing was owed and they were now harassing me for an unowed debt. The company ERC from XXXX Florida has an XXXX call center that only cares about getting money not resolving the issue. This is a bad reflection on XXXXXXXX XXXX XXXX because they have been no help in stopping the calls.
Company Response:
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a letter stating that I owe for an XXXX XXXX XXXX bill which I have never used. When I called it was a virtual assistant.
Company Response:
State: NM
Zip: 883XX
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A