Date Received: 2018-03-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: ENHANCED RECOVERY COMPANY Debtor is XXXX XXXX XXXX XXXX they claim it was opened on XX/XX/XXXX but it was sent to collections in XX/XX/XXXX for amount of {$930.00} XXXX ( XXXX XXXX XXXX ) Debtor is Also XXXX XXXX XXXX XXXX in amount of {$530.00} opened onXX/XX/XXXX when this is tied to same acct as listed above it was sent to collections in XX/XX/XXXX same company has opened false accts and when its close to the 7yr removal date they send it to another company and they reopen it again and again
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77706
Submitted Via: Web
Date Sent: 2018-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I've received multiple calls from XXXX XXXX on my cell phone. Each time they ask for a person named " XXXX '' who doesn't have the phone number. The calls include local call spoofing attempts ( very frequent ), XXXX, and even XXXX. I've repeatedly asked them to put my phone number on their " Do not call '' list but they just hang up on me then call me over and over again. I filed a complaint against them about two years ago for the same activity to which they sent a letter promising to never do call my number again. They are doing it again. They are also using a robo-calling device to call my cell phone. This is also illegal. I've found that they are a debt collection company known for using sleazy tactics in order to collect debts that are not owed. I do not owe any one and am not in debt. No one named " XXXX '' is associated with me or my phone number.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 990XX
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have reached out to the collection agency XXXX XXXX XXXX, requesting a letter of validation of debt over three times and they have not complied. This debt was supposedly reported by XXXX XXXX which Ive never owned an account with them. Ive reached out to this Agency three times requestion a letter of validation for this debt, which they have failed to provide to date. I disputed this account on all three credit bureaus and it was deleted on XXXX and XXXX due to lack of information on this debt. The collection agency has reported this debt to be accurate now on the last credit bureau ( XXXX ) without providing the information supporting the validation of the debt. I have exhausted all my resources trying to fix this issue with the company. I recently filed another dispute with XXXX and called XXXX XXXX XXXX requesting a letter of validation. The company reported this account as accurate and hasnt provided the letter of validation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2018-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX I was using XXXX XXXX XXXX as my internet provider. I repetaly lost service for days and weeks at a time. After many phone calls I was sent to a XXXX XXXX XXXX retention person that offered me a reduced rate for the duration of my service with them. In XXXX my bill significantly increased by over 30 %. I called yet again but was told that the rate the gave me was expired. I asked them to stand by the verbal ( recorded ) offer or cancel my service, they canceled. I later received a bill for over {$250.00} for canceling, late charges and the bill at inflated rate. This debt was sold to a collection agency that constantly contacted me to the point of abuse. I offered {$100.00} to settle and have them remove from my credit but the yelled at me and declined. The debt has know been sold to the third credit company and has negatively effected my credit yet again. I would like this removed without the chance of been submitted to another collection company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Inaccurate, wrong and hurtful information reported by this company. I have never done business or have a contract with XXXX XXXX XXXX XXXX to be reporting anything on my report. Nor have I gotten any form of communication stating that they are going to report negative information without a signature or validation from me stating that I owe {$400.00} on my credit report to all three bureaus. Which I find that is a violation of the FCRA laws. At this point I would like them to produce documents with my original signature stating that I give permission for XXXX XXXX XXXX XXXX to report negatively on my report. If no original contract, validation and signature can not be produced I demand them to be removed from all 3 of my credit reports XXXX, XXXX, and XXXX immediately and not sold to another company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: OnXX/XX/2018XXXX I mailed a letter to ERC requesting debt validation. I was sent a copy of a bill from XXXX XXXX XXXX in the amount of {$1000.00} and no validation about a XXXX bill in the amount of {$650.00}. I requested proof that I was the party to pay this debt, and requested proof that there is some contractual obligation binding me to pay, or something that bears my signature. I stated in the letter dated for XX/XX/2018, that this was not a request for verification but a request for validation. I requested the following items : -agreement with the client that grants you the authority to collect on this alleged debt -agreement that bears the signature of the alleged debtor where he/she agreed to pay the creditor -date alleged debt became payable -date of original charge-off or delinquency verification that debt was assigned or sold to the collector ERC has failed to provide me with this information. Under the FDCPA, I have the right to debt validation. It is the debt collector responsibility to prove the account is really my responsibility and that the balance is accurate. In addition, the collection agency must also prove they have the legal right to collect this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 352XX
Submitted Via: Web
Date Sent: 2018-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: this old cable bill was settled with XXXX XXXX before it became XXXX was removed from credit report to reappear 1 year later
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 47130
Submitted Via: Web
Date Sent: 2018-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX Bought a debt from XXXX, so the original creditor was payed for the amount the bill actually was, which was back in XX/XX/XXXX, XXXX XXXX XXXX bought the debt in XX/XX/XXXX and it was placed on my credit report as a recent collections debt. I tried to file a dispute with the credit agency and they refused to remove it from the credit report. I requested the original contract from the original debtor and it says that XXXX was Paid, So it needs to be removed from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2018-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-23
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX XXXX just reported a {$120.00} collection account on my credit report. Prior to the appearance of this account on my file, I did not receive a notice of my right to dispute.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2018-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On early XX/XX/XXXX, I received a debt collection notice in the mail from a company called " ERC ''. I immediately called them ti figure out what this was for and the representative said that this is a debt from an account with XXXX XXXX XXXX over 5 years ago. I told her that when the account was terminated, the equipment and final balance were paid at XXXX XXXX XXXX 's office in XXXX, Ohio. She argued and said unless I had proof of what I had explained to her, that they would continue to try to collect the debt. I asked her how it was possible that if i look at my credit report every year, how this hasn't ever come up until now. She didn't have an answer but said that they were supposedly the 4th collection agency that has had the account. Again, I asked her to explain why I haven't heard about this until now and she had no answer. Her only response was that I could take the settlement offer they were presenting to me or that they would continue to collect the debt. After I got off the phone with her, I did a quick XXXX search and have found HUNDREDS of other complaints from people just like me. People who have never had service with XXXX XXXX, people who used to have XXXX XXXX 5 or more years ago in the past, etc. I do not owe this debt and need this taken care of. This company is unethical and should be shut down. I also receive 2 or 3 phone calls per day from this company even though i told them to put it in a dispute status because if it is not a genuine debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A