Date Received: 2016-11-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of XXXX and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I recently viewed my credit with XXXX XXXX ; XXXX and XXXX on line and I am appalled to see accounts as far back as 2010 reporting on my files that I do not own and did not give my authorization for activation. I currently have an open case with the XXXX XXXX, Florida XXXX which involves a situation of domestic violence and Identity Theft. Please forward the application document and all other documentation validated and used to open this account so that it may be added to this investigation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: ERC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. 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 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 including : 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 : ERC 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, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, 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: 2016-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XXXX/XXXX/16 ERC ( a collection company in XXXX FL ) sent a collection letter to my California home address, with a name similar to mine ( with incorrect spelling ), claiming that I owe a debt for services never solicited or rendered. I have never had XXXX XXXX XXXX services at my home. For the past 8 years my landlord has provided all utilities ( including our XXXX XXXX XXXX XXXX cable services ) in her name. I am concerned about fraud on the part of ERC, XXXX XXXX XXXX or an unidentified third party individual. ERC states in the bill sent to my address that these charges will be validated if I fail to respond within 30 days. This is not my debt.
Company Response: Company believes the complaint is the result of a misunderstanding
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2016-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: The debt belongs to my father. We have the same name but our birthdays and social security numbers are obviously different. I have contacted XXXX and emailed them a copy of my drivers license to very the debt it 's not mind and yet I have not heard from them and they have not removed the collection from my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I PAID XXXX {$270.00} THAT THEY SAID I OWED THEM. IVE NEVER RECEIVED ANYTHING BY ERC TO SAY I HAVE AN ACCOUNT WITH THEM. ERC KEEPS REPORTING AN OPEN COLLECTION ACCOUNT FOR {$270.00} EVEN THOUGH IT HAS BEEN PAID TO XXXX. THEY KEEP REPORTING ON A NON VERIFIED ACCOUNT. IM NOT GOING TO PAY TWICE FOR THE SAME THING. ITS LIKE THEIR TRYING TO BLACKMAIL ME INTO PAYING TWICE. I ALREADY PAID XXXX AND ERC WANTS MORE
Company Response: Company believes the complaint is the result of a misunderstanding
State: NV
Zip: 89511
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: ACCT # : XXXX ORIGINAL CREDITOR : XXXX ACCOUNT STOPPED BY ERC AND SOLD TO XXXX. ACCOUNT HAS SINCE BEEN PAID OFF IN FULL BUT ERC HAS NOT REPORTED AN UPDATE TO CREDIT BUREAUS SINCE XXXX OF 2015. ATTEMPTED TO CONTACT THEM USING ALL PUBLICLY AVAILABLE CONTACT INFORMATION TO NO AVAIL.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 55411
Submitted Via: Web
Date Sent: 2016-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have a major complain concerning lack of flexibility which exists in corporate structure, more specifically XXXX. After 22 years of marriage on XXXX XXXX, 2014 I was ejected out of the residence I used to live and asked to never return. The XXXX bill was under my name at that time and I kept a very meticulous payment cycle each month. I kept on making payments for several months, even though I was not the recipient of XXXX services provided to the property I was ejected from. I called XXXX several times to have them to either close the account or just transfer the statement to reflect the estranged husband 's name who was indeed receiving XXXX services. Which ever way I tried to reason with XXXX explaining my precarious situation, they just showed no sympathy and no care. The XXXX representative, like a robot with broken record, kept on telling me they can not close the account because I need to return the equipment, as if I was keeping the equipment as hostage for no reason. I asked them to go to the property and retrieve the XXXX equipment, because after all they had physically delivered the equipment themselves and had installed it too. I could not comprehend why they could not undo what they had done before and get the equipment back, since I could not go back to the property and be charged as a trespasser later. Finally in XXXX 2014, I paid the last bill and wrote a letter that it was my last payment and that XXXX had the option to deal with the owner of the property, since the equipment was in his house and he was receiving the services as well. After two years, I found out via my bank that XXXX had reported me to the credit bureaus. I contacted XXXX and they told me that I owed them {$550.00} for the XXXX equipment which apparently is still sitting in that property. I paid XXXX and disclosed a letter explaining that with the payment I had absolve all lingering issues with XXXX. Never once the XXXX representative, whom I was receiving information regarding where to send the payment to, mentioned about the account being turned over to a bill collector. Shortly after, I received a collection letter from ERC in XXXX, Florida, that they are willing to settle the debt to XXXX for the amount of {$440.00}. I have written a letter to ERC and to XXXX as well and requested not to be further harassed by them, since this is affecting my health adversely. From the onset my intention has not been to bilk corporations and services out of their money. I have paid my dues properly and on time. It is a shame that our corporations have not flexibility in their daily operations, all they see is the dollar sign and have no compassion and to really truly try to provide services to the consumer. This is not providing services this is highway robbery.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2016-11-11
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: ERC ( Enhanced Recovery Company ) has sent me 2 notices with 2 different reference numbers claiming I owe a debt from over 3 years ago to XXXX. I sent them a letter disputing the validity of the debt XXXX XXXX, 2016 but received another notice XXXX XXXX. They did not send any verification of this debt with the new notice and are threatening to report me to national credit bureaus. This is a fraudulent claim. I do not have access to the first notice because I just moved, but I have attached the 2nd one.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84094
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-09
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: When called to verify, they could n't give me much information other then a phone number to XXXX, which I called and they had no idea what I was talking about, but I am trying to get a home loan so I caved in and called and agreed to settle, They Agreed to delete the collection, I was forced to pay this, even though I do not believe the debt to be true. I am still with XXXX, and never had a late balance. They have not deleted the collection, and have just updated the balance to {$0.00}, ignoring my disputes with the bureaus. They have removed this off of my XXXX report, but it is still showing with XXXX and XXXX. Also they are reporting as they are the original creditor, when in fact they are just a debt buyer. Which is illegal. I was also never notified of any debt by mail or phone before it was posted to my credit report, and not given any chance to verify the debt. Please remove this from my credit history.I really do not want to have to get an attorney.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89147
Submitted Via: Web
Date Sent: 2016-11-09
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No