Date Received: 2022-12-29
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I disputed a debt with Enhanced Recovery Company for XXXX XXXX XXXX due to collection being past state of Mississippi statute of limitations for debt collection. I did not enter into a contract with them and they could not provide proof via the original signed contract agreement. Secondly they're engaging in illegal reporting practices. The original date of reporting was XX/XX/XXXX. The account was deleted from my report then added to my report and others again with a new date reporting XX/XX/XXXX. In Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( XXXX XXXX, XXXX, and XXXX ). XXXX Accounts or credit card agreements have a statute of limitations of 3 years from the date at which time the items on the account became due and payable ( XXXX XXXX & XXXX XXXX ).
Company Response:
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has been trying to collect a debt that is invalid for several years now. The debt is for the amount of {$190.00} for unreturned equipment. I sent the debt collector proof on multiple occasions that my XXXX equipment was returned to a XXXX store on XX/XX/2021. I sent receipts. I followed their guidelines exactly to return the equipment. I emailed them on XX/XX/XXXX and sent a physical letter a few days later. Now it looks like a new collection agency took over this account and are trying to collect again.
Company Response:
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received notification that a negative report was received on my credit by credit monitoring. XXXX XXXX was reporting that I owed a debt that I was not aware of. I disputed the debt after which time I received correspondence from the collection agency that I owed a debt with XXXX XXXX XXXX I do not owe XXXX XXXX so I sent the collection agency a debt validation request via certified mail. I received notification that my correspondence was received by the company on XX/XX/XXXX. In the meantime I have a wireless account with XXXX since XXXX and that is paid timely via autopay. On XX/XX/XXXX I purchased another from from XXXX, paying in installments payments but I did not activate it because the phone is supposed to a XXXX gift for my XXXX. On XX/XX/XXXX I contacted XXXX to get another line so the new phone could be activated and to port over my grandsons number to the phone so he could have it for XXXX. I was told by the representative that a restriction had been added to my wireless account so she could not allow me to have another line, even though I have a wireless account in good standing. The representative preceded to tell me that I owed a balance ( over XXXX ) on an internet account with XXXX. I informed her that I have never had internet with XXXX. So she placed me on hold came back the phone and told me that it was XXXX for an account back in XXXX. I let the representative know that I did not owe XXXX anything and I had disputed this allegation and has received notification that they had received my certified correspondence. At time the representative got XXXX recovery on the phone. The recovery representative informed me that her records show that I owed XXXX. I once again explained that I did not owe XXXX anything and that I had disputed this charge. She asked me for the certified notification number, which I provided to her and the date of XX/XX/XXXX which was the date it was signed for and delivered. She placed me on hold and came back to tell me that there was nothing she could do because the account was closed and showing XXXX balance so I needed to contact the collection agency. Stated the restrictions was placed to prevent me from opening an account. Both myself and the XXXX XXXX representative was trying to explain that I already had an account, I was just trying to get another line in my existing account. At that time I was told the a XXXX XXXXXXXX would call me back in XXXX hours to see if they could help me. Today is XX/XX/XXXX and I have not heard anything from anyone and is XXXX of the reasons I am filing this complaint. The other reason is that I dont owe XXXX anything but they have placed a restriction on my wireless account, closed the account, wont lift the restriction but turned me over to an outside collection agency. I should be celebrating this time of year with my family but instead I am having to file a complaint regarding money that I dont owe
Company Response:
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX ENHANCED RECOVERY COMPANY XXXX XXXX XXXX XXXX XXXX FL XXXX ( 15 U.S.C 6801 ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I must be told if information of mine is going to be shared with non-affiliated parties and I was not. I want you to delete any information of mine you are reporting to any non-affiliated parties. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP. ( 15 U.S.C 6802 B1A ) Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; Which I XXXX XXXX XXXX ; do not believe you did and now I am requesting you delete any information you are reporting of mine. I was not given a explanation on how I the consumer can exercise the non-disclosure option. Without this information provided to me you are in direct violation of the Law. I am requesting any information of mine you are reporting to STOP and be deleted ASAP.
Company Response:
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be validated.
Company Response:
State: OH
Zip: 43614
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.
Company Response:
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: ERC has repeatedly called me about collecting a debt. I asked if this is my debt, they said no, but the debtor belongs to my number? They just dont stop calling. This is not me or my debt.
Company Response:
State: NE
Zip: 68135
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, my name is XXXX XXXX XXXX XXXX XXXX. I have been advised by the credit bureau to submit a police report regarding my identity being used to open up accounts with my personal information. My twin brother XXXX XXXX XXXX XXXX XXXX has the same date of birth and our social security numbers are different by one digit. Multiple delinquent accounts have been placed on my credit report. I have tried to dispute the accounts multiple times. We have lived at different addresses for at least 5 years. He has also claimed these accounts are his, but they continue to appear on my report. Please let me know if there is any additional information I can provide or if I need to explore other options regarding this matter. I have a ton of accounts that do not belong to me I have sent my full report Thank you.
Company Response:
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX Reported on XX/XX/XXXX ITEM IN DISPUTE XXXX XXXX XXXX XXXX DISPUTE REASON : Accuracy There were fraudulent charges made on this account. The " Account in Dispute '' remark is missing or incorrect. Dear XXXX XXXX XXXX I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute XXXX : XXXX XXXX was closed in XX/XX/XXXX. Amount of {$660.00} to be removed due to incorrect/ fraudulent collections/charges. Dispute XXXX : XXXX XXXX XXXX is fraudulent account for Western dental was paid through government health insurance XXXX. Amount for {$490.00} to be removed due to fraudulent collection/ charges
Company Response:
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Enhanced Recovery Company, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A