Date Received: 2018-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have made 3 attempts to receive documentation pertaining to the investigation that XXXX conducted as part of their practice to investigate and validate any collection reporting on my credit. XXXX has failed to provide me with documents such as a signed contract by me. Following below is what I have been demanding XXXX XXXXo provide me with and yet XXXX has failed to provide with with such proof. XXXX has only mailed me a copy of the results letting me to that the account has been " Verified as Accurate '' but no proof. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60175
Submitted Via: Web
Date Sent: 2018-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX is reporting an account that is fraud
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
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: I received a letter in the mail on XX/XX/2218 from ERC stating I owed a debt to XXXX XXXX in the amount of {$150.00}. I called them and they had no information to tell me about this debt. I than called XXXX XXXX and explained what was going on, I gave then the info reference # XXXX from the letter. XXXX XXXX has no information of me having a XXXX XXXX account on my own, I have been on my mothers account of which XXXX XXXX checked and showed proof of no other account. I want this fake debit removed from my name and credit report. XXXX XXXX XXXX 1XXXX XXXX XXXX XXXX MD, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC has reported to the credit bureaus an account that I have no idea who XXXX XXXX is and never had. I submitted another complaint a few days ago but just found out about this second one. I have not received any notices at my home in which I have been in for 2 years. After researching the original creditor there is no way this account belongs to this XXXX XXXX and I am requesting ALL collections pertaining to this creditor and myself to be deleted from all credit bureaus IMMEDIATELY. I am also filing a FTC and XXXX complaint as these collection agencies have to do better when validating and verifying debts and ownership of debts.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2018-03-21
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: 1. Ive never had a phone from this company. Ive reach out trying to see exactly when this bill was acquired, and exactly how much of my personal information was out there. They had me name and my social security number but they wouldnt give me anymore information. 2. XX/XX/2013 is the date that the bill was acquired. 3. Collection bill is XXXX {$4.00}. Collection company is XXXX XXXX XXXX. 5. Original collection company is XXXX 6. Ive tried to explain to them that is not my bill, and I should not have them calling or sending letters trying to get me to pay it. They do not care they only want the money I do not know what else to do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-22
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: No Contract with this company
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They are keep calling to my work. I don't think is appropriated. is constant, I already told them, I can loose my job if the keep calling,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I checked my credit report yesterday ( XX/XX/XXXX ) and noticed I had an account in collections from a Cable company from back in XX/XX/XXXX. I was not aware of the balance so I called the Enhanced recovery company to see what was going on. They advised me that they were sent the bill back in XX/XX/XXXX. This company has not made any attempt at contacting me to let me know I had a bill in collections but they proceeded to place this delinquent bill on my credit report without my knowledge. When I spoke to the agent at ERC she told me they had a phone number on file that I have not had for 6 years and they have not made any attempt on mailing out any type of correspondence. I asked if this could be removed from my credit report and I will pay the balance but the agent told me no. I am extremely frustrated by the fact that Ive been working so hard the past last year to improve my credit report and this company can just ruin the progress that I have made without even letting me know I had a balance due in collections! I would have paid this if I would have known. The manager I spoke to was very condescending and patronizing, she told me to file a dispute and when I asked will they call me back with an update she said, Were not going to call you back but you can feel free to call us if you want. This is totally unacceptable. I need this balance removed as soon as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 132XX
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77571
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX sent a debt collection in my name to collections. I discovered the debt only after it reported to my credit bureau reports. I contacted XXXX directly and, they advised I needed to dispute it with the collection agency. I immediately contacted the collection agency and disputed the debt. I found the collection agency to be of no assistance as they refused to accept that the bill was not mine. I hired an attorney to assist me in disputing the debt. Through the attorney, a letter of representation and a request for validation of the debt was sent to the collection agency. XXXX was copied on this correspondence. Shortly thereafter the attorney received a few copies of phone bills as an attempt to validate the debt. A second letter was sent to the collection agency requesting further documentation. My attorney advised the collection agency that, the previous address ( which incidentally was not in the state I live ), the original account holder 's name was not my name, and the telephone number listed on the account was not and never was my telephone number. Upon reaching out to XXXX, it was found that the account was erroneously placed in my name. The original account holder was removed and responsibility was transferred to me. This was NOT done in person or in writing. A contract was never viewed or approved by me. I am NOT familiar with the person whom the account originally belonged to. I have never had an out of state telephone number. My attorney advised XXXX in writing that this account was moved to my name fraudulently. XXXX closed the account and, as far as I know, the phone number would be disconnected or investigated by them. Additionally, the phone that was used was an XXXX and the ISN # on the phone traced via XXXX XXXX. to an account that was reported lost or stolen by the owner. There is no trace of this account being authorized in my name. In fact, I currently have an XXXX and it has been with the same service provider for 8 years. That is the only account XXXX XXXX. has had in my name. The attorney contacted the collection agency in writing with these documented facts from XXXX, XXXX XXXX, and from my current service provider. The collection agency was urged to discontinue collections and remove the debt from my tradeline as it did not belong to me. There is absolutely no evidence or supporting documents to show any contract or permissions were reviewed or signed by me. The debt was removed from my credit report. Until recently I received an alert from my credit monitoring service that the debt was placed back on my credit bureau reports. This is irresponsible and negligent reporting. I have taken the necessary steps to prove this debt is not mine. I incurred costs to ensure this was handled in a professional and efficient manner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A