Date Received: 2017-11-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: COMPLAINT : XXXX XXXX as reported on XXXX [ only ] In XX/XX/XXXX I opened a XXXX account by purchasing my own flip phone. This was 8 years before the XXXX. I maintained my contract in good standing over three, 2 year renewable periods, 6 years total. Then I did not need a cell phone anymore, did not renew, and signed up for what XXXX called a dormant account, which meant I could use the same phone number and voicemail only. No physical phone was involved. That was {$9.00} a month. At time of change from physical phone to voice mail only, I owed XXXX nothing, nada, XXXX. I never had, nor do I have now, any XXXX phone equipment. This is way before the XXXX, if you can think back that far in time. I used the voice mail only account for approximately one calendar year, paid my final bill and closed the account. All was well and good. Done with XXXX. No need for a cell phone. I do not use phones for religious reasons. Now 6 years later XXXX and the 4th place collection company ERC say I owe {$370.00}, which is crazy and impossible. I owe them nothing. When I disputed the debt to XXXX XXXX all I got was a bill for {$370.00}. They could not provide me written confirmation with a signature ; or any other proof I owe a debt. Now to make matters worse, instead of the time clock starting in in XX/XX/XXXX or XX/XX/XXXX, which is when XXXX allege the debt originated, ERC is claiming the debt started in XX/XX/XXXX. This incorrect reporting of alleged original debt date is violating the FDCPA, as is them reporting I have a debt at all. XXXX & XXXX have removed the debt from my file. XXXX refuses to remove. I need to have the CFPB contact XXXX and have them remove this debt now. ERC is useless. My credit report has XXXX entries, other than this alleged debt. The reason for this is I do not engage in debt in any way shape or form. This may seem strange to you, but for religious reasons I do not borrow or owe any individual or entity, money. I want my credit report to reflect this. I want a blank sheet of paper as my credit report. Since I do not owe them money, and they have no proof I owe them money, the alleged debt should be removed. In the interim, the date of alleged debt should be reduced to XX/XX/XXXX or XX/XX/XXXX, as I am not sure what they claim I owe. I would not have moved easily from the contract stage to the dormant stage if I owed them {$370.00}. {$370.00} could not have accrued for 37 months at {$9.00} a month. These people are in a word, insane. Also the 4th place collection firm ERC needs to be formally investigated as they are malicious in their reporting of the debt. Please take care of this and stop companies like this from thriving and preying on debt free religious citizens. Check on ERC, they are dirty nasty people who have no XXXX to guide them. Thank you. TELL ERC TO SEND YOU A COPY OF A CONTRACT WHICH I SIGNED. CELL PHONE AND CABLE COMPANIES ALL USED TO USE SIGNED CONTRACTS TO BITE YOU LIKE A RAVENOUS VAMPIRE! ERC [ OR XXXX ] HAS NO SUCH CONTRACT. 2 OF 3 CREDIT BUREAUS REMOVED THIS FAKE ALLEGED DEBT. I have XXXX credit and I do n't want any credit. I have no motive. I will never pay these dummies a penny. I have XXXX entries on any credit reports other than this alleged fake entry. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92008
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a collection claim from ERC on XXXX XXXX regarding an alleged unpaid amount for XXXX XXXX XXXX. I contacted ERC and was told that it was regarding service from XXXX XXXX, 2015 - XXXX XXXX, 2015 at a former address. They also confirmed my social security number. I did have XXXX XXXX XXXX service around that timeframe but it was cancelled and the equipment was returned, a forwarding address was provided to XXXX XXXX XXXX and no claim was ever filed in the two years since. I contacted XXXX XXXX XXXX to verify that there was no money outstanding on the account that evening and they confirmed this. ERC asked me to file a dispute, which I did. I have also placed a 90 fraud alert at the credit agencies, in the event that this is someone who has accessed my social security number and former address in order to open fraudulent accounts or make a collection of funds. The ERC representative tried to get me to pay a settlement on debt that is not mine and I am concerned that my information will be used inappropriately, as I have no idea how they received it in the first place.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC is attempting to collect for XXXX XXXX. This debt is a result of window shopping for cellular service. XXXX XXXX acquired and ran a credit check. But after some thought service was not acquired. XXXX XXXX has charged me for services that were never used or activated. ERC may do some research see that XXXX XXXX falsely charged me. XXXX XXXX has been contacted but never responded to my complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 88012
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Out of nowhere, I noticed a collection account being reported on my XXXX credit report. It is with Enhanced Recovery Co L, and says the original creditor is XXXX XXXX. I feel that this is fraudulent because first, there is no account number listed, only a series of xxxxxxx. I have never had a XXXX XXXX account, until about a month ago when I got an account with XXXX/XXXX XXXX and they never said I owed them any money and had no problem issuing me an account with no deposit. I believe fraud has been committed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2017-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX ERC a letter on XXXX/XXXX/XXXX to send me proof that the account was mines back in XXXX. I waited the customary 31 days they marked it disputed on my credit and I sent them another letter XXXX/XXXX/XXXX asking ERC to send my the contract with my signature on it verifying that it was XXXX & they replied by sending me a letter back without verifying my signature along with wrong & misspelled last name. They still refuse to remove that debt off of my Credit Report after I informed them that this is not mines.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95391
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have an account that was opened with XXXX on XXXX. I called a representative of diversified consultant on XXXX XXXX to settle this account. The representative that was a man guaranteed me if i settled the account out that he would delete the account from my credit. I payed the account and was sent a letter. After discovering this account was still on my credit report not once but twice from two different companies. I called back to the company and they told me to call the other company because they held the account and they stated they would delete the account once again. When i called the other company they stated they held the account. I have called over and over and this account is not handle and is on my account twice affecting my credit in a bad way. I was promised a deletion but nothing was ever done.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17111
Submitted Via: Web
Date Sent: 2017-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XXXX/XXXX/17 I Disputed both accounts # XXXX and XXXX in which ERC received on XXXX/XXXX/17 and they did not list account # XXXX in dispute! They also responded to the dispute of account number XXXX on XXXX/XXXX/17 which is well over the time allowed! In regards to both account numbers ERC sent out alleged Bill statements which is incomplete, and has no break down of inaccurate amounts, They did not provide me with any competent evidence bearing my signature, showing that I have some contractual obligations to pay them like I respectfully requested. Nor have I ever agreed to any terms or monthly payments with them. They are still updating their defaming activities without providing me with any proof bearing my signature and REPORTING INACCURATE AND INCOMPLETE info TO ALL Major credit BUREAUs as of today! SUCH AS : INCOMPLETE Account numbers, payment history MISSING Dispute status, monthly payment, high balance, limit, account status INACCURATE Account names, monthly payments, High balance, terms, Balances, Past due, Date open, AND Account type WHICH list [ collection-non specific ] W/XXXX AND list [ Other ] W/XXXX Similarly, telephones are often used for business purposes. This includes cell phones, and even land lines that are located in residences, which might be used for home businesses. To identify whether a debt was incurred, the starting point would be looking at the charges reflected on the monthly phone bills. If the bills can be obtained, the charges will not be self-explanatory. Once again, the debtor would need to be deposed in order to determine if each of the charges is properly characterized as business or personal. While some unpaid obligations will always qualify as a debt under the XXXX, many will not. Collectors should examine each case individually to determine whether a debt was incurred and whether the Act applies. DOES NOT QUALIFY TO FALL UNDER DEBT as stated under XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2017-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: trying to collect a debt that XXXX or XXXX not be mine that is past the state of SC 3 year statue of limitations and reporting negative information to XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29687
Submitted Via: Web
Date Sent: 2017-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I looked at my credit report and saw that someone had opened up a cable bill in my name with XXXX. I called XXXX and they told me that I have to prove that it is n't me. They have n't sent me anything that all. I happened to call them and they told me that someone in XXXX, Texas opened an account with my name. I gave them my last four and the operator said it was n't me but I need to prove it. The individual and I share the same first and last name. I do n't know her middle initial. Mine is XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 422XX
Submitted Via: Web
Date Sent: 2017-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-27
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Spoke with Legal department and clarified that I had never received a validation of debt, have no clue the reason in XXXX 2017 they invaded my privacy and pulled my credit report without permissible purpose. My wife had made a complaint about them as well. This is fraud and a person should not be able to snoop or pry into a credit report unless given permissible purpose. Please have company state the reason and the debtor they were representing when they invaded into my account and the reason they never sent a validation debt letter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2017-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A