Date Received: 2017-11-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC has a collection account from XXXX XXXX XXXX on my XXXX and XXXX that does not belong to me. We do n't have XXXX XXXX XXXX where I live in Hawaii.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2017-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recieved notification from my credit monitoring company that a new collection company was listed- XXXX XXXX XXXX. It says it was for XXXX XXXX- I called XXXX XXXX because I was unaware of this unpaid debt. They tell me my account from XX/XX/XXXX is in collections because I had a balance due- as well as unreturned equipment. I advise dit was returned and why was n't I informed prior to this, they said they sent a bill XX/XX/XXXX and that was all. They said they did n't send anything after that- that they do n't have to. How am I suppose to know about a outstanding bill or they did n't receive my equipment if they did n't send me a bill? They also state that you have up to 15 months to return the equipment- after that you have to pay for the equipment, that date was end of XX/XX/XXXX for this account. Funny how it appears on my credit bureau shortly after the time period they say I now own the equipment and have to pay for it- when they have n't sent proof that they never recieved it. Deceptive practices!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 12590
Submitted Via: Web
Date Sent: 2017-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX account XXXX is appearing on my XXXX and XXXX credit bureaus.it has been deleted from XXXX.ERC is a collection agency for XXXX the original creditor.At the time of the problem I contacted XXXX regarding numerous unauthorized charges.In contacting XXXX multiple times to resolve the problem, XXXX kept escalating my calls to higher authority and long hold times without answering.The issues were kept in a state of limbo by XXXX without ever addressing or resolving the problem.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This " XXXX XXXX XXXX '', aka " ERC '' of XXXX, FL., a predatory collection agency, continues to report false information about a debt that I was never liable for, for XXXX XXXX XXXX XXXX " ERC '' claims the debt originates to XX/XX/XXXX, for {$130.00}. They have been informed repeatedly that I NEVER had an account of ANY type with XXXX beforeXX/XX/XXXX ( when I signed up for cellular phone service after having been with XXXX before then ). " ERC '' continues to report the debt ( but paid ) as " valid '', as recently as XX/XX/XXXX without providing ANY verifying documentation as to the validity of the debt. " ERC '' 's only action has been to claim the debt is accurate and to report such to the 3B 's.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36695
Submitted Via: Web
Date Sent: 2017-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There is a collection account listed on my personal credit file that is NOT mine. Showing XXXX XXXX XXXX for {$470.00} again this does not belong to me. I want this removed and some help
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2017-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi, Im disputing this collection claim because I never purchased anything from XXXX XXXX. They are claiming that I owe {$140.00} for a service I never purchased.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2017-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXXI had a XXXX phone belonging to my son and myself. XXXX was very nasty at the time, I ignored them keep from having a XXXX or XXXX XXXX at the time. I sent payments to them for this account, in which they told me they had applied the payments to another account I had with them. I was really angry, so I stopped paying them back in XX/XX/XXXX. It fell off of my credit report with XXXX after 7 years. Then XXXX after 8 years and the limitations were up ( the 7 years ) sold the account to Enhanced Recovery in XX/XX/XXXX. How could they sell the account after it was past 7 years. Anyway, I tried to pay XXXX again, and the cost had increased a lot from what I originally owed them, and that is where we are now, I am told that since they sold this account, Enhanced Recovery can use it as a new date of XX/XX/XXXX. So now its been almost 14 years that this account has been in existence. I would like to know if you can help me at all. I hope you can understand what I am writing, it seem very unfair, if XXXX sold it before the 7 years, I could understand a little better, but it was well after. I am XXXX years old next year, and I ca n't fight this by myself. Thanks and have a great day!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On the XX/XX/XXXX I submitted a request via telephone to XXXX credit report agency regarding several inaccuracies on my credit report which I requested that they verify and or delete during this investigation that I requested with them. I received a letter dated XX/XX/XXXX in which XXXX 's response to my request is that XXXX 's response is the accounts are verified as accurate and updated there is one revolving involving enhanced recovery company and another regarding XXXX XXXX XXXX which is listed as verified as accurate. Which can not be true because that was a car loan I sold the car in XX/XX/XXXX so there is no way that during the month of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I would be 30 60 and 90 days past duebecause I purchased a new vehicle and the financial institution paid off the old loan. Transunion is not doing anything to assist me in this matter. And therefore I formally am filing a complaint thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48503
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This letter is to notify you that I no longer am disputing this account. I had paid this account thinking that it would be deleted from my credit report so I am not sure what was the point of me paying it. Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this message.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07740
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Enhanced Recovery company holds ownership of a debt I owed to XXXX XXXX XXXX originally. Yes the account became delinquent and has been for some time. I have however COMPLETELY PAID the balance to ERC MONTHS AGO. IN FULL. It has not been updated to the credit reporting agencys that this bill has been paid. I have also disputed this line on my credit reports with XXXX, XXXX, and XXXX. Yet only one of them removed the line. ERC reference number to this debt is XXXX. Bill was paid in XXXX XXXX. Im attaching the bank statement proving I paid the balance for the debt in full. Look for this line XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ERC XXXX FL
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33823
Submitted Via: Web
Date Sent: 2017-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A