Date Received: 2018-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a demand letter from XXXX a collection company. XXXX is demanding XXXX for debt collection for XXXX XXXX XXXX XXXX XXXX. This debt does not belong to me and is a result of identity theft. I have made serval attempts to resolve this issue with XXXX with no help. XXXX is attempting to collect a debt which never belonged to me. I demand this debt be verified and copies of all documentation for this account be emailed to me for discovery.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have never had an account with this company nor have I entered into an agreement to pay them. This item is reporting in violation of the FCRA as well as the fair debt collection practices act section 807-8
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 1. I called this company to find out what this mystery knick on my credit report was. They said I had an outstanding balance for XXXX XXXX XXXX from XXXX or XXXX. ( which means they are incorrectly reporting the time of this debt and it should already be expired and not subject to posting on my credit report ) 2. They did not have the correct address on file. ( I updated them on the phone call ) They had an apartment number that does not exist in my building. They had one number. Like XXXX XXXX XXXX. Every apartment in my building has 3 digits. example # XXXX or # XXXX. I have never received any mail regarding this debt and was completely unaware anyone was trying to collect it. If I had It never would have reached collections. 3. XXXX XXXX is billing for return of equipment which was returned to their driver when they came in to set up a couple months later. I absolutely dispute the balance of this bill and had I known they were trying to collect it I may have fixed this inaccuracy years ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90029
Submitted Via: Web
Date Sent: 2018-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TO : Sen. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX XXXX XXXX ATTN : Rev. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Consumer Financial Protection Bureau ( C.F.P.B. ) XXXX XXXX XXXX XXXX. Washington, D.C. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX : Rev. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX REF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. Date : XX/XX/XXXX Sir/Madam XXXX has admitted that my credit file has been breached. XXXX breach goes back for years. I know! XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a XXXX XXXX XXXX XXXX. They dont care who they XXXX over to save their brand. I am a licensed XXXX XXXX in the State of Georgia. Thieves are using my information all over Georgia with impunity. I have been targeted by criminals starting over four years ago. Earlier this year someone got a XXXX card in my name. They did an address change first, then got the card. XXXX XXXX XXXX are still with this trickery and foolery. I need to know what could be done to XXXX XXXX XXXX criminally. I told them I will file a complaint against them with the Consumer Financial Protection Bureau. Once I said that, they put that negative account on my credit file. That account is fraudulent. I have three family members named XXXX XXXX. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals. I learned this the hard way after they were XXXX-bent on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans, and XXXX XXXX XXXX XXXX. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Please help this Veteran and this XXXX XXXX XXXX member. Please? I am filing this complaint because they made a threat against me. I can not fathom why would they do this to a Veteran. I have fought for this Country. I come home and get squash by XXXX XXXX XXXX. They are castigating me for saying I would file a complaint. This stain is an illegal injustice. They put this blemish on my credit report. My address is XXXX XXXX XXXX XXXX, Georgia XXXX. I have stayed at this address for the last fifteen years, and I paid my house off in XXXX. I will include my deed to my house. However, they still put this mess on my credit. They need to get the right XXXX XXXX. There are over four hundred XXXX XXXX throughout the State of Georgia. I am resolved to the fact that XXXX XXXX XXXX is a mafia and a gutless wonder! Why would they put that negative account on my credit file that doesnt belong to me, except mere retribution? I have faxed my credit report, two police reports, and F.T.C. fraud affidavit to your assistance. XXXX XXXX XXXX has a copy of the same information. They are too stubborn, and they are too crooked to satisfy the consumer. They are too more concerned about XXXX XXXX XXXX brand at the expense of Veterans. Sir/Madam this company, and their employees should be penalized through the criminal justice system. Just imagine this, if they are doing this to Veterans, just imagine what they are doing to civilian consumers,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: False reporting of invalid/fraudulent debts to credit reporting agency XXXX XXXX XXXX is suddenly appearing on my credit report multiple times with invalid debts. The only XXXX account that I ever had was paid in full and the equipment returned. There was no further correspondence received from the original company. I have not had nor do I currently have a XXXX account. I have also never received a letter or phone call from XXXX XXXX. Whenever I attempt to call XXXX XXXX XXXX I have troubles. They have an XXXX number that never gets me anyone as well as the contact numbers that have been left on my credit report are not in service and have not been updated, which is already evident of bad business practices. In looking up this company they have a bad rating and according to many have a shady history of doing business. These are not valid debts and are leading me to believe that XXXX XXXX XXXX is in fact fraudulent. These negative reports are inaccurate and I have yet to receive any information showing otherwise. These items should be removed from all credit agencies as they are invalid, disputed and causing negative marks on my credit report and credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: 1. XXXX said they sold the debt, making ERC a debt purchaser. 2. On my Credit reports it shows them as the current holder of the debt, meaning they are the debtor and not XXXX. 3. XXXX didnt sent billing statements to me because they entered or misspelled my home address. 4. The debt collector didnt sent me the correct correspondents and they admit they had the incorrect address information. 5. On XX/XX/XXXX I sent a debt validation letter after no ever receiving a correspondent from ERC or XXXX. 6. ERC partially responded to my debt collection letter. 7. ERC provided me billing statements that only listed a amount owed without a break down of chargers. It went from {$350.00} to {$700.00} without any billing marks or notations. 8. ERC did not explain and show me how you have computed the amount as requested on my debt validation letter on XX/XX/XXXX9. ERC did not Send me the copies of any documents that prove I agreed to pay the alleged amount or contracts as requested on XX/XX/XXXX 10. ERC did not Confirm that the account has not crossed the SOL period as requested in my debt validation letter 11. ERC did not Prove/show that they are a licensed debt collector as requested in my debt validation letter 12. ERC did not prove/show me their license numbers and registered agent as requested in my debt validation letter 13. ERC still reported on my credit report with out following all the legal steps and violated my rights as a private citizen. 14. Lastly the debt validation response they sent me only contained blank billing statements without any information on any of the amount they spoke of 15. ERC needs to removed this debt from my credit report until Im able to verify this debt
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovey Collection was notified that the debt for an account they were trying to collect was a result of identity theft. I called them and notified them that I had filed a FTC identity theft report as well as a local police report for a collection account that the original creditor was listed as XXXX XXXX XXXX for {$1500.00}. A few days later the account was then subsequently removed ( XX/XX/XXXX ). A few more days later after that ( XX/XX/XXXX ) I have actively been monitoring my credit daily because of recent events and I now find out the same debt collection company has listed a new debt from XXXX XXXX for {$1500.00}. New account number and all. I believe this is an attempt to circumvent my original request and illegally collect monies that I dont owe. They are breaking the law.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60649
Submitted Via: Web
Date Sent: 2018-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
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 I received a notice for an alleged debt owed of {$600.00} to XXXX. This alleged debt I have previously disputed several of months ago and have yet to received validation. ERC ; please produce proper validation. If proper validation can not be produce in accordance to the FCRA then this alleged debt can not be reported against my credit bureau.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Having recently moved back to the United States, I decied to check my credit reports as I had been out of the country for almost 2 years. While it's in the 700 's, I do have 3 collection accounts which I am trying to resolve. I called ERC to discuss what the account was for and why the dates on my report are wrong as I had not even been in the US for 2 years. After researching how to respond in writing for verification and possible settlement, they did not respond in writing within the 15-30 days of me sending a certified letter. I did receive the returned receipt which was signed. Also, I learned that ERC has had 100 's of complaints about how they do not respond in writing, try to get bank account information over the phone, report an old or non-existant debt and then when settled or even paid in full, they do not take it off your credit report. I found out that even if you pay the original creditor in full that ERC will still try to collect and file negative reports to the credit bureau. This leaves me with no desire to pay them anything as it will have slim to no chance of improving my score. Honestly, with all the complaints that have been published, how they are not shut down is a complete mystery to me and many others??? They are obviously in violation of many rules that were created to protect the consumers from the situations I have described. It seems that we have no recourse even if we follow every step reccommended by the CFPB. Please advise if you have anything new to deal with these unfair and unlawful tactics. Thanks, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2018-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Company has constantly and harassed me about payment they were threatening me with arrest send me constant letters about payment but I never signed paperwork with this company
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A