Date Received: 2018-02-14
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: ERC KEEPS CALLING MY FAMILY MEMBERS AND MY CELL NUMBER, I TOLD THEM TO STOP AND WON'T. CALLED FROM ( XXXX ) XXXX, SEE FCC COMPLIANT ATTACHED. AND INDIANA 'S ATTORNEY GENERALS DON'T CALL LIST.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46835
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX is saying that i owe them for an account. I have never had an account with them. I have asked them for proof of an existing account and i have never recieved one. This is affecting my credit rating. On XX/XX/2018 i spoke with a rep. for them gave him my last name and last for of my SS and he could not find a account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I HAVE A CREDIT MONITORING SERVICE AND GOT A ALERT AND THIS COMPANY XXXX XXXX XXXX XXXX, PUT IT ON MY CREDIT REPORT AND DID NOT SEND ME A LETTER IN ADVANCE AND AM WAS IN PROCESS OF TRYING TO BUY A HOME THE AMOUNT {$100.00} I CALL THEM THEY SAY THIS IS AND OLD ACC 6YRS I SAY I DONT KNOW OF IT THEY HAD ALREADY MESS CREDIT REPORT UP I SEND THEM A DISPUTE LETTER FOR THEM TO VALIDATION THE DEBT AND TO SHOW ME THEY HAVE RIGHT TO COLLECT IN STATE TX AND TO PROVE STATUTE LIMITATION EXPIRED AND OR THEY LICENSED IN MY STATE THEY DID NOT SEND THE INFO JUST A SNAP SHOT OF A BILL THEY TRYING TO COLLECT ON THEY DID NOT PROVIDE ORIGINAL SERVICE AGREEMENT WITH MY SIGNATURE ON IT
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75051
Submitted Via: Web
Date Sent: 2018-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have no idea who enhanced recover is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. XXXX XXXX is indicating that an account with the account number XXXX was opened with their company in XX/XX/2017. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized XXXX XXXX XXXX as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ XXXX XXXX XXXX } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to XXXX XXXX XXXX, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed this debt with Enhanced Recovery Company with no resolution. I sent a certified validation letter on XX/XX/ in regards to this collection in the amount of {$76.00} being reported on my credit report. I respectfully requested a validation in which I have the right to request due to the debt you say I owe under the pursuant to 15 USC 1692g Sec 809 ( b ) of the FDCPA. Enhanced Recovery Company received the certified letter on XX/XX/ and has yet to respond to my request. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I have no contractual obligation with this company but yet they continue to report to all three credit bureaus in which is unlawful being that they failed to validate the debt. This debt constitutes defamation of character, as negative listing on my credit. I requesting they provide me with evidence that I have any legal obligation to pay or promptly delete all information from my credit file which can not be validated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-12
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I have been disputing an alleged XXXX cell phone debt assigned to ERC for the past several months. ERC has yet to provide any real evidence or contracts of said debt bearing my signature and I have contested it. I just received an anonymous phone call from a gentleman in Ohio claiming he received copies of billing statements and a letter from ERC with my name, last four of my social security number and my current cell phone number. This gentleman claims he is getting harassed for owing the same debt showing my name and this debt is being credit reported on his credit as well! ERC has some serious paperwork issues and is now sharing my private/personal information with a unnamed man on the other side of the US. I have reported the neglectful communication tactics to CFPB several times as well as the California Attorney Generals office and would like a full investigation on this account and records of correspondence. The original letter of right to dispute was never sent to me directly but was wrongfully sent to a relative of mine in XXXX, now, my personal information is being mailed to annonamous people in Ohio. This is very concerning. Something must be done as I am now afraid that my information is being passed around to the wrong people and can potentially end up in additional credit fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX, XX/XX/2016, amount XXXX . I went Into the XXXX store before they sent the debt to collections. I wanted To make a payment and reconnect service. They said i couldnt And wouldnt let me get a new phone because of the history i had With them. They said they would soon send it to collections where i can Work out payment plan with collection company and possibly get a new phone when i pay Off debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2018-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This has been reinsterted with out having the debt verified, violation of FCRA section 611 15 USC 1681 paragraph 5 I need this removed asap or will file a lawsuit. I never had a big bill like that one they are misleading people with please remove asap. Cease and desist immediately
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from the collections agency ERC dated XX/XX/2018 addressed to my address with an incorrect spelling of my name stating that I owe {$290.00} to XXXX XXXX XXXX. I have never had a XXXX XXXX XXXX account and do not owe this money. I do not want to contact this company directly for fear of them trying to get more information from me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2018-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed a complaint before about this company since they have failed to provide proper validation of a said debt. Now after disputing, they have changed the account balance from {$840.00} to {$84000.00}! This is absolutely absurd that a company thinks they can get away with this. A lawyer is next. I will not stand to be treated so unfairly.
Company Response: Company believes complaint is the result of an isolated error
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2018-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A