Date Received: 2017-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX has incorrectly placed a collections account for XXXX on my credit report. I have never had an account with XXXX go into collections. No attempt to collect a debt was made and no proof that I owe this has been presented. This is fraud as I have had no debt with this company.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2017-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is according to my XXXX credit report. A company named XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX has placed an account on my credit report from a XXXX account that I have already disputed as not mine to begin with. In addition, they have illegally re-aged the account so that it appears as if it was opened XX/XX/XXXX The original dispute is from XX/XX/XXXX in which XXXX removed the account after discovering that I did n't have an account in the first place. I never lived nor do I know anyone that ever lived at the address where I supposedly had this service. I have an issue with XXXX and XXXX XXXX XXXX not listening and furthermore not following FCRA guidelines. I have attempted to resolve this issue with both parties and I 'm not making any progress. XXXX has continuously kept false and inaccurate information on my credit file. There are several addresses that I have not lived, inaccurate amount on some accounts, accounts that are not mine and accounts that have been re-aged. XXXX XXXX XXXX has apparently purchased an old debt that is also not mine and XXXX is not providing the correct information to the company they sold the debt to. This is RIDICULOUS and I can not afford an attorney to resolve this issue. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ERC Collection Creditor Phone Number XXXX XXXX XXXX XXXX Creditor Address XXXX XXXX XXXX XXXX, FL XXXX This company has re-aged a collection account. The date opened is being reported as XX/XX/XXXX however, this account was placed for collection with the Original Creditor - XXXX - in XX/XX/XXXX. This is a clear violation of FCRA laws.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2017-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: i am filing this complaint to report a false statement from XXXX XXXX XXXX, a collection agency from florida i just found it out when i checked my credit report from experian 3 weeks ago .At my biggest surprise i saw this debt collection of XXXX reported on XX/XX/XXXX and XX/XX/XXXX to the three credit bureau which state that i have an account that was open on XX/XX/XXXX with enhanced recovery Compan located at XXXX XXXX XXXX XXXX florida XXXX. Firstable this is a false statement, i have never opened an account or never did business with this company. but that was reported to the three credit bureau that i open that account with them since XX/XX/XXXX with XXXX and XXXX and on XX/XX/XXXX it was report to XXXX that is a lie. Second, they never sent me in writing any notice that the FDCPA Act required any collection agency to do before sending any debt to the three credit bureau. According to the Fair Debt collection practice Act ( FDCPA ) a collection agency must notify in writing a person of his right to dispute a debt within 30 days before trying to collect any debt and before sending any debt to the 3 credit bureau. but XXXX XXXX XXXX XXXX XXXX did not do that .they never sent any letter in writing of my rights to dispute any debt. but instead they sent it directly to the credit bureaus to destroy my credit.therefore they have violated my rights under the fair Debt collection practice Act ..I demand that this account must be remove from immediately from my credit report I sent them a letter to prove me that they own this debt and also to sent me a copy of the contract that is between them and the original creditor which show that they are entitle to collect that debt, they never respond up to day, i am still waiting. also i ask them to sent me a complement payment history starting with the original creditor they never respond, i request immediate deletion of this account from my credit report with the three credit bureau or i will have to sue them for the amount of XXXX for violated my rights and the law
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On X/XX/2017 my phone rings and shows a number at XXXX. When the in formation shows up it showed that this is a company that I had already reported before to the Credit Bureau for just putting information on my credit report that had been removed over 4 to 5 years ago for a debt that either was not mine or had been disputed by prior credit collection companies who removed the information from the credit report. I also contacted them ( ERC ) and received conformation that the debt was removed. I am not sure how this account showed up almost five years later with ERC and just placed on my credit report with no knowledge of this account by me and with a new age date on my report. After, I informed the credit bureaus and this collection company about this they removed the information but now I have started receiving calls from this company again when I plainly sent in communication not to call me but they continue to call me from different numbers for no reason. When I sent in my communication I let them know I would like to know off the top the statute of limitation on this alleged debt and why did they just put inaccurate information on my report that was re-aged to begin with.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95207
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I closed my account with XXXX at their store in the XXXX XXXX in XXXX New Jersey. I paid a total of {$160.00} at the counter, in order to settle any outstanding bill. XXXX then sent me a bill of about {$160.00} They placed the amount with a company called 1. Enhanced Recovery Co XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Collection Agencies Website 2. Enhanced Recovery Company - CLOSED XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX - As you can see, they pop up and then close and then pop up again. They reported a negative mark on my credit report for {$100.00}. In my opinion they are holding my information hostage against me paying them an amount they will share with XXXX. I think this scam is disgusting as I have the receipt from the bill I paid at the counter ( repeating above ) at the XXXX store. I have my charge receipt from XXXX, and want them to stop this OUTRAGEOUS practice of collecting an " extra month '' for no reason but to line their own pockets.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX XXXX, 2017 I received a letter stating I owed ERC ( XXXX XXXX XXXX ) a debt of {$360.00}. The letter references XXXX XXXX which I do not have and have not had. I called the number provided by ERC ( XXXX ) and gave them the reference number and account number on the debt they mailed me. After providing them with my information and the information of the letter, several representatives were not able to find any account or debt listed under my name. The letter states that they are going to report this on my credit score if I do not respond. I 'm very upset and believe they have the wrong information because I do not have XXXX XXXX and they were not able to find my " debt '' with information THEY sent me. I believe they are fraudulent accusations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2017-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am a XXXX XXXX XXXX Veteran with 3 XXXX XXXX and I need XXXX XXXX XXXX. My wife of many years died and I decided to move to California where my relatives could help me. I contacted XXXX XXXX and informed them I was moving. They told me the equipment could move with me. I told them I was moving to California where they did not service. Arrangements were made to return the equipment. It was available for pickup at the time and the place I had indicated. They refused to pick it up. Now they have sent the bill to ERC for collection after I disputed the account. ERC has placed it on my credit report and NEVER attempted to contact me. I learned about the account through XXXX XXXX. I contacted them and told them I disputed the account for the above reasons and the only thing they would do is try to make me pay for equipment that XXXX apparently did not pick up. No attempt to validate the debt occurred. No attempt to validate my dispute was attempted. No attention at all to my dispute. They just continue to report it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Spoke with rep in regards to this account ask for " FULL VALIDATION '' COPY OF ORIGINAL CONTRACTS NO REPONSE. STILL RECIEVE PHONE CALLS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ENHANCED RECOVERY
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2017-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A