Date Received: 2016-07-15
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Consumer Complaint: XXXX : I am XXXX and have been with a prepaid phone for 4 years now. I was on a month to month plan when I was offered a replacement phone due to multiple problems with my service. The replacement phone was returned within the trial period however a new contract was created and never cancelled as promised when the new handset was returned. I was informed the billing would run a couple cycles before it reset and canceled. However in 2 cycles I was informed that the contract had been violatedcancellation period ) and I was now responsible to buy my way out of it. A contract is made to pay off/down a handsets value but the handset was returned and the contract was n't cancelled as promised.To avoid the hassle of a contract I opted for a prepaid service right away ( XXXX using XXXX Phone number and XXXX using XXXX XXXX in XX/XX/XXXX ) This account still shows up on my credit.I have contacted the vendor and also the collection company who refuse to see that I am not responsible for this debt. I currently have a free state phone and continue to prepay for s service intermittently ( 4years on XX/XX/XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-07-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I have been repeatedly contacted by ERC. Every time that I have spoken to ERC, I have verified with them that the debt is not mine, the information that they have in their files is incorrect and the social security number that they have is not mine. They have assured me each and every time that I have spoken to them that they will take this out of their system and that I am not responsible for the debt. In XXXX, my identity was stolen and I have subsequently been having to file Security Alerts with all XXXX Credit reporting bureaus, as well as file police reports and FTC complaints. I have been repeatedly disputing the ERC Collections account. This is not my accounts. I have spoken to XXXX ( where the alleged debt is from ) and they informed me that this is not my account and they would inform the collections agency that it is not my debt. In fact, The information that ERC has is inaccurate, the social security number used is not mine and ERC has confirmed it is not my social security. However, that being said, ERC reported this debt to all XXXX credit reporting agencies after I repeatedly told them that is was not my debt. I contacted ERC on XXXX and spoke to the Office of the President and asked them how they can report this to all XXXX credit bureaus when I have repeatedly disputed this debt and informed them that the social security number they have for this debt is not mine. They then said that they do not need a social security number to file against my credit. I then stated that I have been disputing this debt and as such was informed by ERC that they would be removing it from their files, which they never did. After speaking to ERC on XXXX, the Office of the President said that they would be removing it from the credit reports, but they have not done so.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2016-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I have been with sprint for over 10 years and been very satisfied with their service. till recently after I pulled up my credit report and noticed a collection account from a company called ERC trying to collect for an unpaid XXXX account. I have disputed this account with the credit bureaus and as well as with ERC. and as of this date no respond from ERC. I had sent to them my police report as well as my identity theft report still no respond.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95128
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: ERC ( Enhanced Recovery Company ), is in possession of a XXXX XXXX loan, according to XXXX records. Despite some fraud charges and items/orders I did not receive, I 've attempted to make payment arrangements. However, XXXX XXXX reps would not lower payment amount due. They insisted on a payment plan, but a payment plan or arrangement does not lower actual amount due nor does it waive any late or over limit fees. They were or are attempted to collect a minimum payment of well over XXXX, a VERY unreasonable amount considering the fraud/missing orders and or items. The fraud aspect of the account is due to a cousin with almost an identical name, XXXX XXXX. My name is XXXX XXXX XXXX, he does not have a middle initial or does not use one. He placed a number of orders with an XXXX, orders running into the XXXX. There are also some orders which I did not receive, however, I do not have the company names available to me as I do not have a full accounting of past orders. I do know the majority of the balance is from an XXXX, jewelry orders. This is fraud. He used my computer to go on XXXX, placed the orders without my consent.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 06320
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-13
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: An agent contracted me XXXX said that In would be puckered up from my job and taken to jail its i did not pay the amount. In ful ny a certain date.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2016-07-13
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I have sent many disputes to the Credit Agencies and to Enhanced Recovery in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Enhanced Recovery verified that this account is accurate. But it is ironic how Enhanced Recovery will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Enhanced Recovery. Not to mention, this account is still reporting on my credit file. I need your assistance in getting this matter resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2016-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: As of XX/XX/2016 I paid in full my debt with XXXX cable. A collection agency by the name of Enhanced Recovery Company is reporting to my credit reports that I still owe XXXX as of XXXX/XXXX/16. I have contacted XXXX several times and they have sent request to the company to remove this false information but even when I disputed this false debt the company reported that I still owe XXXXtheccompany reported to the credit bureau that it 's still a current debt.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2016-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-11
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I found a collection from enhanced recovery reporting {$270.00} for XXXX. This bill is nearly 7 years old and they are barred from trying to collect on it. I do n't appreciate enhanced reporting this to my credit file. They are pushing me around because i am a single female and they want to make my life hard so I ca n't get nothing on credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2016-07-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-07
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I never ever applies for XXXX Cll phone or any of XXXX service I have no idea and words this Collection came from or started
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44107
Submitted Via: Web
Date Sent: 2016-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-06
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: XXXX credit report showed Enhanced Recovery collection account. XXXX requested validation from Enhanced Recovery collection XXXX Enhanced Recovery removed collection account from XXXX and XXXX XXXX Enhanced added the account back under new account number and higher amount to XXXX and XXXX credit reports with different open date. However Enhanced Recovery never responded to validation request
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2016-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No