Date Received: 2017-03-07
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: In XX/XX/XXXX I was made aware by the IRS that there were XXXX years in which I was a victim of identity theft. This person used my information to collect my tax returns for those XXXX years. I am in the process of repairing my finances as a result and just recently began the journey to credit worthiness. This account is XXXX of the accounts I did not recognize on my credit report and on XX/XX/XXXX I sent a letter to the XXXX disputing a debt collection activity that I noticed on my credit report. I requested documentation with proof bearing my signature. I also stated that if they could not provide me with proof in 30 days, based on the FCRA it is their responsibility to remove this account. I sent this letter certified and they signed for this on XX/XX/XXXX. To date I have only received the copy of a bill from this company. In XX/XX/XXXX, I noticed due to lack of their proof they did remove this debt. However, on XX/XX/XXXX, I was made aware that a new company, Enhanced Recovery Company had submitted collection activity on my account in the same amount as the unverifiable debt which was previously removed from my report by XXXX. To make matters even worse, this company did not notify me nor give me an opportunity to dispute this debt with them, which is a direct violation of my rights under the FCRA. I have tried to reach out to them, but have not received a response and address information provided for them has returned as undeliverable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: XXXX is reporting a collection account to XXXX that is not my account. The account is for someone unrelated to me but has the same last name. I have been trying for years to get them to remove it without any help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30045
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a letter stating I owe {$600.00} to XXXX from a collection agency I called XXXX and when spoke to a phone associate and mention I did n't use XXXX and never use there cable or requested there service he mention a name that I do n't know the person when ask to verify if the information they had on file was correct and I let him know that my SS # is mine but not the name they had on file so was transferred to fraud department I told him the same information but now he would n't give me the name and city were the account was open that I had to submit my ID and a police report so I went to my local police department they said I have to file were they used my information that I could n't file a report local so again I called XXXX now they said I needed a supina before they could release information but I ca n't place a police report cause I do n't know were they used my SS # and XXXX wo n't give me that information so I called XXXX to place a fraud alert on my name and I also file on FTC.GOV/THEFT wed site so now I do n't know what else to do please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 79932
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company bought a debt that has been disputed and removed from my credit reports. There is NO CONTRACT or any evidence bearing my signature.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60435
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: i had a XXXX Cell Phone account and they were unable to keep the services working that i was paying them for, after multiple Communications with the service department and Store managers and trying a Mini Cell tower in my home the services still were not working Half the time. i communicated my request for them to fix the service or give me credit Both requests went on def ears. i was left with no other choices after being told the problem was their towers but to switch providers as i did over to XXXX. i was a long time customer and the last 1 year and a half was like paying for nothing. This left them claiming i owed them {$2100.00} for services that they could not get to work From XX/XX/XXXX to XX/XX/XXXX. i feel this account should be removed for my report at once and XXXX should take responsibility in this matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-04
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: THE COLLECTION AGENCY IS ATTEMPTING TO COLLECT ON AN ACCOUNT THAT WAS CHARGED OFF BY THE ORIGINAL CREDITOR IN 2005
Company Response: Company believes the complaint is the result of a misunderstanding
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2017-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-03
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays date : XXXX/XXXX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. XX/XX/XXXXm ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section XX/XX/XXXXc-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section XX/XX/XXXXc-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX
Company Response: Company disputes the facts presented in the complaint
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2017-03-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-01
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: I have no idea what ERC is
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2017-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: For 4 years I have been fighting off several collection agencies for a {$150.00} bill from sprint that was the result of someone pretending to be me and obtaining service. Now ERC wants to collect this money thinking that once again damaging my credit and hounding me I will give in because the amount is small. The representative at ERC told me that the only thing I can do is pay.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 748XX
Submitted Via: Web
Date Sent: 2017-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-02
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have disputed this item with the credit reporting agency as I do know recall this account ; they reported you confirmed the account as valid. However, I have not been provided any information validating this debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75088
Submitted Via: Web
Date Sent: 2017-03-02
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No