Date Received: 2018-02-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: i had phone service through XXXX,8 lines to be exact, i was a XXXX customer for about 12 years at the time.our service was interrupted for some technical reason, i was told it was a down tower.the problem was we had absolutely no service at all and our business suffered for approximately 4 days.we had to drive 13 miles to be able to place or receive calls.i reported the problem and was told it would be corrected quickly.it was not so i cancelled all services and went to another carrier.i have saved the email correspondence between myself and XXXX.they still put it on my credit report and it almost prevented me from purchasing my home in 2014.my mortgage company informed me that in order to finance my home, i would have to write a check for this debt at closing for the home purchase.i then remembered about the emails and forwarded to the underwriter who then decided i did not have to pay this debt since it was not my fault.i puchased my home and now i want this debt removed from my credit report.it is bogus and absolutely not my fault in any way because i will say that to this day, i refuse to pay for it since i did not cause the problem.i was greatly inconvenienced because of this and now i want it to be made right.thank you for your attention to this matter, i have attached the emails.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2018-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Im a XXXX year old trying to better my life and with that is to better my credit I recently have cleard things off my credit but this company ERC just recently updated as a debt collector with out my knowledge of any kind of notice, and was from XX/XX/XXXX they are just saying now that it recently got collected? It ruined my credit so fast, compared how long it takes to establish my credit it feels horrible I was looking foward to financing my first car and was told this morning XX/XX/XXXX That I had debt collection of XXXX $ so was not approved and now I will add more to my hard inquiries.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78596
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX, a collection agency is reporting to all three major credit bureaus ( XXXX, XXXX and XXXX ) that I have a bad debt with XXXX XXXX from 2014. I have never had an account at XXXX and have been a customer of XXXX for over ten years. This account is in error and is being inaccurately reported. I asked them to produce written documentation that this is my account or else stop calling me and remove it from credit report. They never sent verification but they did stop calling. However this collection account is still being reported to currently to all three credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: ERC has reported the account was opened XX/XX/XXXX. In XX/XX/XXXX and XX/XX/XXXX, I sent numerous letters to each credit bureau requesting accounts be validated and verified by sending pertinent information to identify my information. ERC was removed from my credit report, now it has reappeared. This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed that you have included the below information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for financial assistance which was highly embarrassing and has negatively impacted my lifestyle. CREDITOR AGENCY - XXXX XXXX XXXX A/K/A XXXX XXXX XXXX Please delete the above information as quickly as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2018-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Between XX/XX/XXXX to XX/XX/XXXX I moved to a townhome and the townhome was offering free cable, so I did not transfer my services with a company called XXXX XXXX XXXX. Between the time mentioned above I went in person to the XXXX XXXX XXXX on XXXX to turn in two cable boxes and 2 remotes. A female customer service employee took them and put them aside. Ask my name and said okay thank you. I left and thought nothing of it. I then saw that XXXX XXXX reported to the credit bureaus in XX/XX/XXXX that I owned them XXXX for services. I disputed the charges for 2 years until finally it was resolved and investigated in XX/XX/XXXX and XXXX XXXX removed it from my credit reports. It appears that XXXX XXXX sold the account or somehow maybe a mistake it was sent to a collection agency again and now they are saying again I owe XXXX. We took care of all this with the dispute in XX/XX/XXXX. Now it ' [ s coming out again and I do not owe this amount. I would like this off my credit report again.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78413
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not give permissible authorization for this company to check my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: UKNOWN ACCOUNT WAS OPENED ON XX/XX/2015 IN THE AMOUNT OF {$290.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27330
Submitted Via: Web
Date Sent: 2018-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I am a victim of identity theft a victim of fraud my personal information has been sold to different individuals, and these individuals has used my personal information to obtain credit. under my name. I went to the police department to file a police reports concerning this matter. I was informed that someone fraudulent open up 12 cellphones XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, under my name and obtain credit to get the cellphones.I contact each vendor to let them know I'm a victim of identity theft and that my identity has been stolen. XXXX XXXX XXXX sent me a package to fill out and get notarize I completed the package and mailed it back to XXXX XXXX XXXX they deleted the fraudulent account but before during so they sent the account over to a collection agency and it keeps getting sent from collection agencies to collection agencies. I have the letter that XXXX XXXX XXXX stating they deleted the account but the collection agency is still reporting it on my credit report with XXXX XXXX, XXXX, and XXXX this XXXX XXXX XXXX account needs to be deleted now. I have submitted the documents to the creditors showing them that it is fraud. I need this XXXX XXXX XXXX account off my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60466
Submitted Via: Web
Date Sent: 2018-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-30
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have a debt for {$2000.00} that is held by XXXX XXXX XXXX ( ERC ). They called my mother on Friday, XX/XX/XXXX, around XXXX XXXX pacific time. They asked if there was other contact information for me, which they are allowed to do, but then XXXX XXXX left a message with my mother to be forwarded to me, asking for me to call them back at XXXX, using reference number XXXX, saying I needed to call back within the next two hours because XXXX would be gone after two hours. Then, on Saturday, around XXXX XXXX, XXXX called my mother, again, asking to speak with me. My mother told her that she had relayed the message and there was nothing more she could do, but my mother should not have even had to be bothered with relaying a message that sounded like it was urgent, nor should she have been harassed with a second call. My debt is my issue, not my family 's.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2018-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2017 Collection agency did not provide information to validate the debt. The debt was disputed as not belonging to the me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2018-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A