Date Received: 2017-12-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: 1. ) This company is not licensed to collect in my state ( NC ) 2. ) they never reached out to me regarding this debt so i was not given a fair chance to contest the validity of the debt before they reported this to my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Out of the blue my credit report shows i owe for an account I have never had. I later received a letter from XXXX cell phone. I have never had an XXXX account. I disputed this dept and have not received or heard from the collection company at any time, prior to or after seeing the item on my credit report. When disputed through the credit bureau they claim the debt is mine but did not provide any details. I have still not heard from the collection agency on the matter of the billing .This is not my debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76522
Submitted Via: Web
Date Sent: 2017-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I currently have an account with XXXX that I have had for more than XXXX years. This line was the result of fraud reported many times to the carrier and ERC and ignored. They continue to harass me during work hours even after I sent them the copy of the fraud affidavit. How can I owe for a debt that is not mine and why are these people allowed to threaten and insult me daily.? I have requested orginal signatures from the account and have nothing.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a certified letter on XXXX XXXX, 2017 asking for validation of alleged debt. The alleged debt was not properly validated, and company still reports to credit bureaus. I filed a complaint with the BBB, and after one response from the company, they stopped responding. They still have n't validated the alleged debt, and are still reporting to the credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 457XX
Submitted Via: Web
Date Sent: 2017-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Enhanced Recovery XXXX does not have the licenses to collect on a debt in the State of Texas. XXXX Date : XX/XX/XXXX-XX/XX/XXXX-2014 Amount {$330.00} Tried to call multiple times with no response
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77503
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The company is saying I owe {$1600.00} for a cellphone bill that was paid off a long time ago. In 2012 the cellphone bill was paid in full.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72315
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Every time ERC calls, I them to stop calling me.I HAVE NO DEBT AND NO CREDIT ISSUE WITH ANYONE. I DO NOT KNOW WHY THIS ERC IS CALLING EVERY DAY. AND THEY USUALLY HANG UP WITHOUT SAYING ANYTHING. I want this to stop.
Company Response: Company can't verify or dispute the facts in the complaint
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX - posted an account in collection on my credit report and individuals SSN does not match to my SSN or previous address.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06114
Submitted Via: Web
Date Sent: 2017-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX 2013 ( 3 yrs, 11 mos ) Original Creditor Name : XXXX I called ENHANCED RECOVERY COMPAN to remove that false report on my account. I have been now with XXXX for 4 years, and never owe them a penny. And Enhanced Recovery never got back to me. I sent them letter ... They never got back to me ...
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Roboalls are from ERC. When I have answered the phone in the past all I got was instructions to call another number. CFPB has contacted the company before, and the company said that they have no information about me. But they still keep calling.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79072
Submitted Via: Web
Date Sent: 2017-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A