Date Received: 2017-05-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On or about XXXX 2017 , I noticed that a XXXX phone bill had appeared on my credit files. I requested that XXXX validate the debt and send me a copy of the application, or contract that was used to open this account. They never replied back to the validation letter. Now Enhanced Recovery Co is coming after me. I have continued to request that they validate and they continue to allow this to report on my files.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2017-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: THIS WAS RESOLVED YEARS AGO WITH XXXX FOR {$270.00} WHICH I DO N'T KNOW WHY I OWE BECAUSE I PAID MY BILL IN FULL THEN YOUR COMPANY BROUGHT THIS ACCOUNT AND PUT A NEW DATE ON IT LIKE IT JUST HAPPEN THIS WAS OVER 9+ YEARS AGO I 'M WITH THE COMPANY THAT BROUGHT XXXX AND IF I OWED ANY MONEY YOU WOULD THINK THEY WOULD HAVE NOT GRANTED ME SERVICE, FOR AS I 'M CONCERNED YOUR COMPANY IS JUST OUT HERE DOING WRONG TO HARD WORKING AMERICAN AND NOT DOING YOUR JOB CORRECTLY JUST PUTTING ITEMS ON PEOPLE ACCOUNTS. I DO N'T HAVE ANY PAPERWORK SHOWING ME HOW THIS {$270.00} BILL WAS CALCULATED SO I SUPPOSE TO JUST PAY FOR SOMETHING I DO N'T OWE, COMPANY MAKE MISTAKE ALSO LIKE XXXX .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: NOT AUTHORIZED TO TRANSMITT PRIVATE INFORMATION UNDER FDCPA GUIDELINES.
Company Response:
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: **Please note, debt was already disputed an d discharged, but not due to bankruptcy, it was dismissed because I was found to not be responsible for it. I was sent a notice from a debt collector called : ERC, to notify me that XXXX XXXX hired them to come after me for a debt that had already been disputed and dismissed both by the previous creditor employed by XXXX XXXX and by XXXX and XXXX last year. How can they hire a second debt collector to come after me like this? I did a lot of work to get this debt removed and cleared already. This is like double jeporady! I am an elderly woman on a fixed income, and I am not responsible for this debt to begin with! Please help m e! See letter ata ched. Thank you!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10541
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In 2013 a fraudulent account was opened in my name through XXXX XXXX . I have never had XXXX XXXX service only XXXX XXXX XXXX I spoke with XXXX XXXX and advised of the fraudulent this account was sold to XXXX different collection agencies all disputed and removed. Once again this fraudulent account is being reported on my file attached is my records of each removal. I am XXXX XXXX XXXX XXXX not XXXX XXXX XXXX not any other XXXX . This needs to be permanently deleted and not be able to be applied back to my credit reports over and over again this is damaging to my excellent credit history. I do not o this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company, ERC, sent me a letter and claimed I have unpaid amount {$380.00} to XXXX XXXX XXXX . Except I do n't do business with XXXX XXXX . I visited XXXX and ask them if they have an account under my name, gave them my driver license and the letter from ERC. XXXX search and came back negative, they do n't have me as a customer, they also checked back dated to year 2014 , nothing. I also checked my credit report and verify a possible identify theft, again, nothing. Contacted ERC, XXXX , gave them the reference # XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer. XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: REPORTING DEBT THATS NOT AUTHORIZED OR VALIDATED.
Company Response:
State: MI
Zip: 48076
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am wondering how stupid are these ERC treating me. There is no money i owe from them plus I am still XXXX XXXX customer cor the last 7 years. Had I owe money from them, they would have brought me a clear evidence. XXXX XXXX reported mw to this collection agency. I DONNOT OWE ANY MONEY FROM THEM. Period
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2017-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple dates of inquires. Almost daily. I put fraud and security alerts buy my credit is still being ran almost daily. Also, A deleted account for {$2500.00} for XXXX reappeared even after the first dispute, they could n't verify the debt and it was deleted.now it reappeared thru same collection agency even tho they did n't verify debt in 30 days as stated in FCRA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2017-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I contacted this company on XXXX XXXX , XXXX asking for validation of this debt. They have not responded, I did not enter into a written contract with this company and do not owe them anything.
Company Response:
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2017-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A