Date Received: 2017-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A company has written off a debt with XXXX that was proven to be my ex wives and not mine. This was over 5 years ago and they began reporting it to my credit report again and now have reported it again. The debt is written off and they can not keep putting it on my credit report but continue to do so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 435XX
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC : Enhanced Recovery is reporting on my credit file, for one, I never got a 30 day right to dispute or any notification, they just put it on my report. Also they are collecting for XXXX whom I do not owe .... I signed up for XXXX awhile back because they promised me they have coverage where I live, which is very very rural. They said I would have service and no roaming fees. So I switch, well my first bill was $ 1100+ because everything was in fact roaming, they do not provide coverage in my area I found out after speaking with a manager. So I do not owe this bill, they are lying to customers and doing bad business. I would pay what my normal bill should have been but I will not pay for extra fees in which I would have never had if I did n't switch over with them promising me I would have coverage. They need to be investigated as they have hundreds of thousands of complaints regarding this
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2017-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX sold this " alleged '' account to XXXX XXXX at XXXX XXXX XXXX XXXX, FL XXXX. I disputed this account and it was removed from one of my credit bureau. It is still on my XXXX report. I am requesting that this debt be removed from all credit bureau as no one has validated this debt and this debt has now been sold to another collection agency called, ERC ERC - Enhanced Recovery Corporation XXXX, Florida XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX Toll Free : ( XXXX ) XXXX I do not have a relationship with this company and I am requesting that they remove this debt from all credit bureau.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1700.00} with XXXX, XXXX, & XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: On XX/XX/XXXX I sumitted a complaint with CFPB against XXXX XXXX for trying to collect a debt that didnt belong to me. On XX/XX/XXXX ERC responded back stating that the debt didnt belong to them and they had no right to try and collect on that debt. ERC removed that debt from my credit report. I recently checked my credit report on XX/XX/XXXX and notice this account was again placed on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am in collections from at XXXX XXXX XXXX bill in the amount of XXXX. XXXX XXXX XXXX sent me to collections with a company called ERC. In XX/XX/XXXX, ERC mailed me a settlement offer of {$970.00}, which I accepted by a letter. When I accepted, I told ERC I would be making weekly payments of {$25.00} till paid in full. As of todays date of XX/XX/XXXX, I have 13 cleared checks totaling {$320.00} to ERC. I have not missed a payment since we started our agreement on XX/XX/XXXX. On XX/XX/XXXX, I received a statement from ERC saying I owed a total of {$1100.00}. I wrote ERC back with my payment that week, reminding them of our settlement agreement. I told them that according to our agreement, I owed {$720.00} at that time. Ive continued to make my weekly payments. I now have received a letter from them on XX/XX/XXXX saying that I owe XXXX. This company should not be able to back out of a settlement agreement, especially since I told them I would make weekly payments back in XX/XX/XXXX when we reached this agreement, and I have not missed a payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 728XX
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had an account with XXXX XXXX and singed a two year contract. After five years I cancelled the contract, be fore canceling I called a representative at XXXX XXXX and they insured me their was no penalty for canceling. I never renewed or agreed to renew my contract. Shortly after that they sent me a bill for XXXX. I have made several phone calls to XXXX XXXX. They can not justify the billing.. In spite of this they turned the matter over to a collection agency and filled a negative claim to credit reporting agencies. I have contacted them buy phone and by mail, and they still have a claim against me. .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery Co has reported a debt that does n't belong to me to my credit report. this debt was initially showing another date and now is reporting as of X/XX/2017 for XXXX for XXXX XXXX, which ive never had. I requested by certified mail that the collection agency validate this debt or delete, once in XXXX and again in XXXX as of today they 've done neither.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2017-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a bill from XXXX in XX/XX/XXXX, I never opened account i have been a XXXX XXXX customer for past 9 years current, I refused a promotional deal when I went into a XXXX XXXX retailer in mall and they were giving a promo deal and gift if I filled out a card online, I did the switch never came forth ... salesman called me over and over, over a 3 week period in XX/XX/XXXX, I told them i was not interested. apparently in XX/XX/XXXX i received a bill for services and called them directly via XXXX customer service number..for several months into XX/XX/XXXX I had to argue with them that it was a fraudulent account and bill. in XX/XX/XXXX I was sett a form and sent it back verifying i was not responsible for account or bill. in XX/XX/XXXX I received a letter from XXXX XXXX..who gave it to another collection company and now its reported as of XX/XX/XXXX as a new debt ... completely innacurate
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Company appeared on my credit X/XX/2017. I have no knowledge of this account and the company has never sent me any correspondence given me the opportunity to obtain validity prior to reporting on my report. Prior to filing this complaint I called the credit bureau and was informed that the company provided proof that the account was mine because of matching addresses on file and birthday but the social didnt match and they flagged my file as having a double credit file and sent out notices to the company to send proper validation with my social or delete from the file. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A