Date Received: 2017-02-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: ERC ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX, XXXX, FL XXXX Phone : XXXX Fax Numbers : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ERC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ERC acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2017-02-24
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: this account is not mine. my account with XXXX is active
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2017-02-24
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-23
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: also calling me at work now. the medical bills are part of a lawsuit and I can not pay until i settle with defendant.
Company Response: Company can't verify or dispute the facts in the complaint
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2017-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-23
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Hello on XXXX XXXX i woke up to check my credit account and i saw a new collection account was added to my account. Upon further review this indeed was a collection account that was once removed from my credit report was added on again by the same collector without prior notice. After looking at past and present credit reports it has come to my attention that you have allowed this item to be reinserted into my credit file after it had been deleted. Based on the credit report dates the period during which this reinsertion took place was XXXX/XXXX/17. Pursuant to the FCRA, I 'd like to be provided with copies of the certification required for reinsertion for this account. Under the FCRA Section 611 ( a ) ( 5 ) ( ( ii ) ".... reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. XXXX Additional information. As part of, or in addition to, the notice under clause XXXX a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion XXXX a statement that the disputed information has been reinserted ; XXXX XXXX XXXX the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ;.... '' I was not so notified. I am disputing this item. I will allow you 15 days to furnish this information, however if you do not provide the information requested, you must delete this account as required by the FCRA. Please send me a copy of my updated credit report after you have completed this request. Thank you for your time and effort.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10468
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This ERC company do n't understand that I already settled this bill with XXXX XXXX XXXX this is unreal I lost so many point over this I should not have no att bill at all the only bill I had with att I already paid off so I do n't get why they keep harassing me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: II reviewed my credit report and observed Enhanced Recovery conducted an un authorized inquiry to my credit report. I filed a complaint regarding an alleged debt that Enhanced Recovery was trying to collect and Enhanced Recovery withdrew there attempt of trying to collect money I did not owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-22
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Consumer Complaint: This amount was previously removed. It was for XXXX account with XXXX. The equipment was returned and XXXX kept saying the matter would be escalated and the amount removed but nothing was ever done. Now it is reported again. Just today I spoke with another agent XXXX # XXXX she hung up on me when she tried transfering my call. I am tired of this issue. I ca n't resolve anything with XXXX. See attached previous response from Collection agency.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 799XX
Submitted Via: Web
Date Sent: 2017-02-27
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-22
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: I just check my credit report- As I do almost weekly- Apparently I have a XXXX account opened in XX/XX/XXXX under the married name for my ex-husband- Apparently this account went into collection in XX/XX/XXXX I never received a statement from XXXX or any collection- My credit report shows a balance of {$180.00} from XXXX. If either XXXX or ERC in XXXX, Florida- If they had send me a bill prior to my divorce in XX/XX/XXXX I would address this issue and had my ex-husband paid this bill.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07036
Submitted Via: Web
Date Sent: 2017-02-22
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-21
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XXXX/XXXX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2017-02-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-21
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: The collection agency never contacted me via phone call or letter stating this debt was outstanding and would be reported to the credit reporting agencies. It is now reporting as an open collection on my XXXX credit report as of XX/XX/2016, Because this company did not contact me within the 30 day reporting rules, thus giving me a chance to respond before it was reported to the credit agencies, causing my credit score to drop my credit score XXXX points which now disqualifies me to get a home loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No