Date Received: 2023-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2022 ERC XXXX XXXX ( not me ) Sent to my current address. Reference # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account number XXXX Amount {$770.00} This same woman used my daughters SS number 20 years ago.
Company Response:
State: IL
Zip: 60115
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I have been repeatedly contacted by this company and told them that i was not happy with the serviced provided in less than a year i had to return two devices to them and was repeatedly over charged the calls were so frequent that i had to change my number
Company Response:
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An account was opened with XXXX my social security number but under a different name and address ; I did not open this account, my information was stolen. I have attempted to dispute the debt with XXXX however XXXX has been sold another company so I have been unsuccessful at disputing with the company. The debt has been sent to collections. The account has been disputed with the credit bureaus and removed from my credit report multiple times but it continues to return under a different collections agency.
Company Response:
State: CA
Zip: 95503
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt was disputed with the first collection agency. Now replaced with ERC. I didn't live in Georgia at the time the bill was created. I live in XXXX XXXX FL. I have asked for a wet signature but Noone have been able to provide it.
Company Response:
State: FL
Zip: 33904
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX is a company I've never used before and tried to get removed a couple of years of ago not sure what to do to get this debt removed the account shows opened in XXXX 2022 now and ive definitely haven't had XXXX XXXX XXXX since or even before than
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Company ( ERC ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : The Office of Registered Agent for Enhanced Recovery CompanyXXXX ( ERC ) From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX together with a certified copies of signatures contract between you and XXXX XXXX XXXX , you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX XXXX require your contract for jurisdiction. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! I swear under penalty of perjury that all of the above mentioned information is true and accurate. By : XXXX XXXX XXXX
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I sent the Credit Bureaus letters asking them to verify debts on my report. they replied that everything has been verified : however, my credit report continue to show inaccuracies. ENHANCED RECOVERY COMPANY XX/XX/XXXX, Amount : {$760.00}, Account : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Amount : {$950.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1400.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2000.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2100.00}, Account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Amount : {$1000.00}, Account : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1700.00}, Account : XXXX
Company Response:
State: TX
Zip: 77096
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In 2021 XXXX XXXX XXXX was notified with a complaint against XXXX XXXX XXXX concerning these charges. 3 days after a customer service manager from XXXX XXXX XXXX contacted me to understand my complaint submitted to XXXX. I explained the reason of the determination of the contract service since I could not use the phone and neither the service and I was tired calling and calling for help. I returned the phone and I was told that my service is terminated and I would not have anymore charges or any contract with XXXX XXXX XXXX. and here we are after 2 years. Everything should be on file, including the dispute made throughout XXXX
Company Response:
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced Recovery Co has placed a collection account on my credit reports in the amount of {$56.00} that I do not owe them. I have never in my life heard of this company before and most definitely have never done business with them. I have never received any type of service or merchandise from this company. There is no contract containing my wet ink signature that is binding me to this company. Also, I never received a dunning letter from this company giving me the right to request validation of this frivolous debt. Oddly enough I received collection letters from XXXX other companies claiming that I owe them for the exact same frivolous debt. So how is it possible that I supposedly owe XXXX different collection companies for the same debt?
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A