Date Received: 2018-05-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: COLLECTION COMPANY 'S ERC XXXX XXXX XXXX, FLORIDA XXXX XXXX. ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX {$810.00} DATE ACCT OPENED XX/XX/XXXX REPORTED AS OPENED XX/XX/XXXX ON CREDIT REPORT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ORIGINAL CREDITORS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} REPORTED AS OPENED XX/XX/XXXX AND XX/XX/XXXX ON XXXX, XXXX XXXX. I have filed dispute on this accounts for a couple of years but because the collection agencies keep passing to other collection agencies I have to start the whole process over and never seem to get it resolved. I have contacted both of this and explained how I have been disputing the collections they have with previous collection companies but they pass it to other collection agencies so I have to start the process over and want answers as to why they are reporting to credit agencies with wrong date of collection when the original date is showing as the date they received account not when account was opened, I also asked if they had a surety bond with the state of Texa as third party collection agency must have a XXXX surety bond in Texas, ERC collector nor supervisor didn t know what I was talking about. I then went onto explain that I have been trying to resolve this collections due to having my purse stolen in XX/XX/XXXX and have been having issues but because they are illegally reporting with incorrect dates causing me to get this off my credit report for the past 6yrs. Due to this collection companies reporting incorrect dates I have not been able to proceed in purchasing a home because of there incorrect reporting is affecting my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78216
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have written to XXXX XXXX on several occasions, most recently XX/XX/XXXX, requesting validation of the debt. They not only stonewalled and not answer my request as required by law but failed to mark the account as in dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received a call from someone who would not identify the reason for the call without asking me to provide personal information last week. I received a letter on XX/XX/XXXX that states I have 30 days to dispute the validity of the debt. I sent a letter to dispute the debt on XX/XX/XXXX. On XX/XX/XXXX, less than 30 days from the date of the notice the company reported this invalid debt to the credit agencies. When I called the company the representative told me she could not give me any information and became rude when I asked her about the 30 days I had to send the written dispute. This company did not follow FCRA guidelines and reported a debt that is not mine to the credit agencies.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Recievd bill from debt collector ERC in regards XXXX XXXX for a bill of XXXX which is incorrect. My service was cancelled with XXXX due to having no service dropped calls and poor service.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06708
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I am a victim of identity theft, company XXXX XXXX XXXX has been reporting negative XXXX XXXX account that is not mind this company is violating my rights this Account XXXX was dispute on all 3 credit bureaus and remove,XX/XX/2017 this company is out of order.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I've been working with XXXX XXXX. They had them removed. 2 came back under another collection agency.Original collection agencies : ERC 1st delinquency XX/XX/XXXX. Balance as of XX/XX/XXXX is XXXX. XXXX XXXX XXXX 1st Delinquiency date XX/XX/XXXX. Balance as of XX/XX/XXXXs XXXX. They reappeared under new collection agencies. XXXX XXXX Open date XX/XX/XXXXand XXXX XXXX Open date XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30286
Submitted Via: Web
Date Sent: 2018-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom It May Concern : XXXX XXXX account XXXX I am writing this letter in response to a notice sent to me from your organization on. This letter is not a refusal to pay, instead it is in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. Please note that this letter is NOT a request for VERIFICATION that the account exists, instead, I am seeking VALDIATION that I have a legal obligation to pay you for the account referenced above under the Fair Debt Collection Practices Act. In accordance with the Fair Debt Collection Practices Act, please provide me with the following : An explanation of what the money owed is for. An explanation of how the amount owed was calculated. Copies of any agreements signed obligating you to pay for the debt. Provide copies or other verification of any judgment ( if applicable ). Prove that federal and state statue of limitations applicable to the debt have not expired. Identify who the original creditor of the debt was. Provide verification that the collection agency is licensed to collect in my state. Provide their license numbers and registered agent. In addition, this letter serves to inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau 's ( XXXX, XXXX or XXXX XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character In the event you are able to provide the requested documentation above, I will require at least 30 days to investigate this information during which time I expect no further contact from your offices or the company that you represent. Furthermore, during this 30 day validation period, if you take any action towards any of my credit reports which could be considered as having a negative effect, I will have no choice but consult with my legal counsel for suit. This includes listing any information to a credit reporting agency or other repository that could be inaccurate, invalidated and/or verifying that an account is accurate without having sufficient proof to back up such claim. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and once again I will have no choice but to seek the advice of counsel and file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. I look forward to you response and validation or deletion of the above referenced account so that I am not forced to proceed with any legal action.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2018-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: inaccurate infromation never had XXXX XXXX account cra violation no knowledge of account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77007
Submitted Via: Web
Date Sent: 2018-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I signed up for an XXXX XXXX XXXX promotion -- internet and XXXX for around a {$100.00} a month for two years. When his first bill in XXXX was nearly double that, he complained to XXXX XXXX XXXX. " Every month I open up your envelope and you go, 'OK, what's the surprise this month? ' '' After, making multiple complaints to customer service I continue to get passed around with different information. At the end I was constantly placed on hold and problems was never resolved. Due overwhelming frustration I cancelled the service ; however, the continue to charge me. Now the have a collection agency {$2200.00} ( ERC # XXXX ) XXXX XXXX XXXX XXXX FL XXXX. Every time I asked for validation of this bill the collection sells the dept and then a new collection agency attempts to collect a debt that's not owed. Basically, I was scammed, buy a bait and switch method. Because the never honored the promotion ; plus the cable service was always shutting office and the WiFi had a weak signal which continue to boot me off of the internet
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2018-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was evicted from my home and in XXXX. At this time I owed the original creditor the remaining balance. As of XXXX this year ( XXXX ), I was able to get back on my feet and am now settled into my current address. I did not receive any information until looking into my credit report, regarding the debt. Interestingly the the debt in the amount of {$1900.00} apareard on the report in XX/XX/XXXX then in XX/XX/XXXX was no longer shiwing on the credit report. As of XX/XX/XXXX it showed back up. I tried to resolve the issue with the company but was told I had to pay the balance of {$1900.00} in full, dispite my hardship and dispite never recieving any notice ti collect a debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17112
Submitted Via: Web
Date Sent: 2018-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A