Date Received: 2017-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been a victim of ID theft throughout the years, I have filed several police reports and most recently a FTC ID Theft report. I have made several attempts to handle this directly with ERC but they are unwilling to work with me on this situation. They still insist on reporting a fraudulent XXXX XXXX XXXX debt to my credit report. I have furnished them with letters, police reports, ect to prove my case. Nothing has been done. Nothing. The amount on my credit report states its for {$490.00}. I have NEVER had an account with XXXX XXXX XXXX . This account is fraudulent and the company knows that and still willing tries to collect and report it to the credit bureaus. Attached are police reports and a copy of my FTC report. My ID theft is ongoing so I am keeping up with these issues as they pop up. Please give me your cooperation this time.
Company Response:
State: NV
Zip: 89506
Submitted Via: Web
Date Sent: 2017-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have not had a contract with XXXX . The Debt is not mines. the creditors continue to remove the debt and then reinsert it back on my credit with a new date
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been having a problem with Enhanced Recovery coming after me for XXXX separate bills when they were not bonded in Texas at the time. I 've had the XXXX and XXXX accounts removed from my report several times over the years. Due to indentify theft as well as the debt I do not owe. However, Enhanced Recovery Corp seems to continually place theses accounts back on my report. Since XXXX I 've contacted between XXXX and ERC several times for validation of these debts with a contract signing, copies of license or ss to no avail. I first got them removed both accounts in XXXX . Only to be placed back on in XXXX . I had the accounts removed again due to lack of verification and validation of the debt they 're claiming I owed. The XXXX account was placed back on and removed again in XXXX . XXXX came back as well and removed in XXXX . I have had XXXX removed once again and now ERC is still trying to collect on XXXX . XXXX has been removed from XXXX and XXXX . However, it and XXXX are still on My XXXX and XXXX report. I 've been having these problems with this company which had no bonding in the state of texas at the time these account were placed on my reports. I 've been fighting this debt. Not to mention the items have continously been removed. I 'm asking for valid proof of verification something in writing with my signature binding me to the debt. I 'm also submitting proof of these items being removed several times. Thanks so much for your time.
Company Response:
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Back in early XXXX I moved to a different area and had XXXX XXXX . When I found out XXXX could not service my new address I canceled the contract. Knowing that if they could not service my address the contract would be void, I was not worried about paying out the contract. I also had a conversation with a XXXX representative that confirmed the same. About six months down the road XXXX with XXXX {$850.00} from my checking account without any prior consent or knowledge. They claim that that was the balance of the contract. I contacted them to dispute this since they could not service my address and a representative told me that that must 've been a mistake. However, the only way I got my money back was filing a dispute with my bank. I won the dispute got my money back and all was fine. Then, In XXXX I went to buy a home was preapproved to build a house. On the final days they had to pull my credit report which would 've been early XXXX , XXXX had sent that balance of {$850.00} to a credit reporting agency, dropping my credit score . It is now placed on my credit report as money owed which clearly I want my dispute and should not be on there. It is falsely on my credit report. I would like to get it removed immediately before I decide to take some other kind of action. Would you be able to help me with this?
Company Response:
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.
Company Response:
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I discovered this account on my credit. I have never received a notice for the right to dispute. I have no knowledge of this account.
Company Response:
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I discovered this account on my account. I have never received a notice for the right to dispute. I have no knowledge of this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Received fro m ERC a settlement opportunity on XXXX XXXX , 2017 for an original balance due of {$640.00} : 1. I am without sufficient knowledge of a balance due and therefore entire existence of a balance due to ERC is being disputed by me. 2. Demands for a genuine original promissory note with my wet ink signature have gone unanswered. I have stated a bill of sale is not evidence to the fact. 3. Further, ERC has never produced original signed chain of assignment ( if applicable ) and/or any credible evidence and/or circumstances that resulted in such an original balance due made on me at this time. 4. This information erroneously appears on all ( XXXX ) credit reporting agencies and I have asked XXXX to dispute such claims with no response from ERC. 5. As such, all such information should be deleted from all ( XXXX ) credit reporting agencies. XXXX XXXX
Company Response:
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC collections ( XXXX ) has been calling me multiple times a day for months. If I answer it goes to an automated system that tells me to press numbers for making a payment, removing my number from the list, or speaking to a representative. Not once does it state what the debt is or who they are trying to contact. For a while, I would select the option to remove my number from the list, but they would continue to call. I few times I decided to speak to a representative. Each time they would tell me that they do n't see my name or phone number in their system. They would tell me they do n't know why I 'm getting called and would say they ca n't remove me from the list because I 'm not on one. The calls continued. I got so frustrated by them that I changed my phone number yesterday. Today, less than 24 hours later, ERC managed to call me on my brand new number. This has to be illegal. I 'm at my wits end and I need these calls to stop.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: Company nev er validated/ Verified account and is in direct violation of FCRA, FDCPA and federal and State consumer p rotection laws.
Company Response:
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A