Date Received: 2017-01-16
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have not received any notices or letters from them before putting on my credit report. This is not proper way to contact the client to resolve the issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19010
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-15
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: There is a charge on my acct says opened XX/XX/XXXX and reported XX/XX/XXXX this is not mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 99336
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-16
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: they have been calling me 2 -5 times a week I do not answer because I know what they what.I have told them that I am not working because of health problems & working to get Social Security XXXX for going on years. Now they have been calling XXXX year old. I know I owe money but right now I ca n't. I do n't know what to do.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2017-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Today I checked my XXXX credit report and I found a debt collection mark ( XX/XX/XXXX ) on my report, which greatly impact my credit score. The agency is Enhanced Recovery Corp located in XXXX XXXX XXXX, XXXX, XXXX XXXX. The original creditor is XXXX. But from XX/XX/XXXX to XX/XX/XXXX, my phone ( XXXX ) service company is always XXXX XXXX XXXX. I never owed any money to XXXX. I called ERC and tried to tell them that I am the victim of identity theft and please remove the collection. ERC told me that the address is in XXXX on their file. However, I have lived in XXXX XXXX, XXXX for more than two years since XX/XX/XXXX. Then ERC required me send them my copies of driver license, SSN and credit report. They are trying to collect money that I never owe to XXXX and their collection remark greatly lower my credit score.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2017-01-13
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I dropped XXXX due to charges on my bill that were incorrect. These were overage data charges, which I had XXXX alert me when our family would be going over the data plan, which they had BUT in this particular month, they did not for some reason which left my phone bill which would be normally {$300.00} to {$1000.00}, in which XXXX only agreed to discount {$200.00} for being a loyal customer. Cell phones were returned to XXXX - collection noticed mailed out to me about a month later with the amount of the outstanding charges AND the XXXX cell phones.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2017-01-13
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ERC is fraudulently reporting my credit information and re-aging my account. They are fraudulently reporting the account as being 1yr and 11months old when in fact the account is close to 6 years old in order to prevent the account from closing due to reaching statute of limitations.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2017-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a letter from them when paid the debt many months ago.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2017-01-13
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The information about this debt is not accurate. Please remove from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NM
Zip: 87123
Submitted Via: Web
Date Sent: 2017-02-23
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-13
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: Erc contacted my fiancee on his personal cell phone and asked him my whereabouts and contact information because I had a charged off XXXX credit card from 3 years ago. They had no right to share my credit information with him as we are not married and he has no legal right to know about my old chargeoff. They provided him with several pieces of mybpersonal information and I have the ohone records to prove it!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28083
Submitted Via: Web
Date Sent: 2017-01-17
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-13
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have never had an account of any kind with XXXX. I have been a customer of XXXX for over 10years. I believe the att inquiry is a result of presumed identity after my wallet was misplaced.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2017-01-13
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No