Date Received: 2018-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX continues to attempt to collect a debt in the amount of {$73.00} that was a result of identity theft. I disputed with them and the credit bureaus. sent both the collection agency and bureaus a formal request and the police report asking that the item be removed from my credit reports. It was deleted but recently readded without notice and caused me to be denied for credit. I have suffered damages because of this and asking you to assist in properly addressing the matter and resolving it immediately. This is a violation of the FDCPA and the FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: They kept calling me everyday! I told them that I have no co trip to pay the payment to pay back the phone company spirit and will try figure out to pay back when I do my tax return and they kept on pushing me pushing me i repeated told them what I plan and they did not listen to me so i told them the same answer and hung up the. they kept call me everyday! so i blocked them and it still go thru and call me everyday!!! harassing me i 'm tired of getting their calls!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21742
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello I sent out 609 letters to c.f. ERC sent me a copy of Bills none with my signature sent a bill that Dates XXXX tho XXXX XXXX sent about 3 bills with different amounts. I do not have a account with ERC they did not send me letter 5 day before placing me in collections and looks like they started my bill over I do n't have XXXX since XXXX I would like this deleted off my credit report asap.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Lost job at time and was unable to pay bill
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX/Company has never communicated via phone, mail, or email that I have ever owed them a debt. This debt has been placed for collections and has been reporting to all 3 credit bureaus. I have no knowledge of this debt. Also upon further investigation, the state of North Carolina requires collection agencies to be registered with the Secretary of State. XXXX XXXX XXXX is not licensed to do business in North Carolina. Their current status is WITHDRAWN.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27107
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The account is reporting on my credit report but is not my account. It 's not even my name on the account. I tried to talk to the company and the first gentleman got aggravated and starting talking over me and told me to hold on, and then his supervisor got on the phone and she said I needed to file a dispute and allow 72 hours for dispute process. I have n't had an XXXX XXXX XXXX account. I 've had XXXX for years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 40229
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I 'm writing because I have paid this debt, and it is still showing on my credit report. They wrote the letter that said payment was received and it was paid in full. Payment was received on XXXX /XXXX /2016. Why is it still showing on my credit report please remove it thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31602
Submitted Via: Web
Date Sent: 2018-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: One year and a half years ago this company called XXXX XXXX company opened dispute of a account but I didnt receive proper notification or verification of debt of account.the debt wasXXXX. I contacted them and got no response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2018-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ERC is reporting a XXXX collection to XXXX, XXXX and XXXX - all stating I opened an account in XXXX XXXX. They continue to report derogatory conditions as recently as XXXX XXXX. Almost 24 months of derogatory reporting for a debt I know nothing about. I have received ZERO paperwork from XXXX or ERC about this which is a clear violation of the Fair Credit Reporting Act. This item should be removed from my credit profile.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-01-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: in 2013 i picked up an upgrade i phone was not satisfied and contacted XXXX XXXX XXXX and i was told to bring everything back and did so do to there 100 % customer satisfaction .when doing so representative said it was not possible and i ask to speak to manager witch also said the same.. contacted customer service and asked to speak to manager they said they were sending a box to return never got the box .then when i would call they would put me on hold and give me the run around got tired of playing there game and cancelled service ..they are bullies and because they have a contract that is null and void do to there actions of FRAUD this item was removed from my credit report ..and now is back on and needs to be removed do to FRAUD by XXXX XXXX XXXX by not standing by there word..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 489XX
Submitted Via: Web
Date Sent: 2018-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A