Date Received: 2018-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Approximately in XX/XX/XXXX I was notified I was sent to collections on a disputed XXXX debt in the amount of {$1000.00}. At the time I was XXXX years old and very nave and uninformed when it came to credit reporting. I was not advised that I could have disputed this debt since I disagreed with it. Instead, I felt scared and fearful enough to protect my credit and therefore I borrowed monies to pay the debt in full to XXXX XXXX XXXX. Naively, I did not realize they would continue to report a negative entry on my credit record, and I did not understand that would still hurt my credit score despite me paying the account in full. I dispute this with XXXX on XX/XX/XXXX and it took them less than 24 hours to conduct an investigation and notify me that this account will remain on my report. I feel taken advantage of because I was so uninformed at the time and now feel like they just took my {$1000.00} and I'm still being injured by them. They claim that they have to report accurately but leave out the true facts of the circumstances in the reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93304
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I filed a complaint in XX/XX/XXXX regarding a collection for XXXX XXXX XXXX XXXX in the amount of {$830.00}. The account was originally with XXXX XXXX. I asked that proof be sent to me proving this account was opened by me and a signed contract with my signature because I did not open this account. After 15 days, XXXX XXXX XXXX recalled the account and it was deleted from all credit bureaus but now I see that that same account was given to XXXX XXXX and their trying to collect again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I only have one collections account. Its from an old XXXX bill, the collections agency ERC is coming after me for {$860.00}. I was young & dumb, I wish I could pay it off but I dont have the funds to pay off this amount. I know taking care of my credit is important but my paychecks go to rent & my car payments. Please help, thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92802
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted XXXX XXXX XXXX on XX/XX/2018. I informed them that i never had A XXXX XXXX account before, which is the bill they are saying I owe them for debt. I never opened the account and asked for a verification of debt. They informed me that they do not legally have to provide me or notify me of debt. I was never notified about the collections. I never Recieved a letter. I only knew i had the collections because i ran my credit report. When I contacted the company, they could not find my file. They have the wrong name under my social security number. This company is fraudulent and unjust.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92505
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This was a dispute about charges on my XXXX cell phone account years ago. I tried to resolve the problem with the company but they were not open to discussion and sent me to collections. I a hard working person and pay my bills but when I am getting overcharged and the company will not work with me to resolve the issue and just sends me to collections. I do not feel that is fair. I would request that this Derogatory Mark be removed from my credit report as I tried to work with XXXX but they just sent me to collections and I do not have a contractual relationship with this company ERC and do not owe them anything. Please remove this from my credit report. The Second Mark on My Credit report is a Lein placed on my account in error. As you can see it was placed on my account and removed the sale day. Please remove theses Derogatory remarks on my Credit Reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear XXXX XXXX XXXX, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2016. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me. Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from ERC which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. The balance says zero and is paid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I came home from taking care of some business and found a call on my caller ID that I didn't reconize so I called back and a man with a XXXX accent answered the phone and started to give me a run about infomation on me and claimed I owed a debt that they were attempting to collect. I knew I didn't owe a debt so I chewed the man out and told the not to call me anymore or I'd take legal action and I hung up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/XXXX I spoke to a representative of ERC about a bill I owe. I set an appointment with XXXX to call me on XX/XX/XXXX to discuss the terms of settling the debt, as I would have a better idea of whether or not I could pay the settlement agreement in full or I would need to set up a payment plan. Today, XX/XX/XXXX, another representative of the same company for the same debt called me, and thinking it was a mistake, I explained that I already had an agreement in place with another rep and would be in contact with their company on Friday. After this conversation, with her acknowledgement that I'd already set up to be called on Friday, she asked if I wanted 3 bi-weekly or 3 monthly installments. I declined to speak further on the account and stated so, because she clearly wasn't listening to me. She then told me she would set me up on a payment plan for 3 bi-weekly payments and needed a debit card or checking account number to secure payment. I then repeated that I decline any payment arrangement because I don't know what my finances will look like, and while I don't deny I owe it, and do intend to pay it, I can not promise her money I don't know I have. She then stated she set me up on the payment arrangement and asked again for a form of payment. I again, stated very clearly that I decline her doing so. She then asked me for my payment information, and I repeated that I decline her setting up a payment arrangement. Her next statement was " with no response we will try to call at another time ''. I found this to be overly aggressive, predatory, and harassing. Not only did her company have a record that I had already been spoken to and that I would be in contact in less than 10 business days, she attempted without my permission, to engage me in a contract multiple times that I in no uncertain terms declined, multiple times.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19460
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX, used to have a internet service account with XXXX. I thought I had settled my account back in XXXX of XXXX. I paid the outstanding balance off using a gift card and made note of the confirmation number the XXXX agent gave me. Confirmation number XXXX. After that call ended I placed the remaining balance out of sight and out of mind. After that account was settled I never heard from XXXX ever again. I received a credit alert today XX/XX/XXXX from my XXXX monitoring account stating a recent debt collection was added on my credit report. When I contacted XXXX XXXX XXXX XXXX ( XXXX ) XXXX, the agent rep who first attended my call was rude and did not allow me to plead my case. I remained calm and asked to speak to a supervisor XXXX who was more rude and uncouth.I stated to XXXX XXXX that I had never received a letter from the Company and never have I spoken to any of there agents. When I asked for date and time the Supervisor XXXX failed to give me the information. The supervisor told me get a subpoena if I wanted those details. The collection amount is {$140.00}, after my failed attempt to resolve, I reached out to XXXX and explained the issue. XXXX is pulling my call from XX/XX/XXXX to assist to see what they can due on there end. How is someone supposed to resolve a debt they aren't even aware of it. XXXX did confirm the amount of the debt is {$100.00} dollars and not {$140.00}. Please assist us, as the account should not be reporting and this negatively affecting our credit. The company never gave us a fair chance and an opportunity to resolve.
Company Response: Company believes complaint represents an opportunity for improvement to better serve consumers
State: FL
Zip: 33015
Submitted Via: Web
Date Sent: 2018-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A