Date Received: 2022-11-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My service ended with XXXX XXXX on XXXX XXXX and my XXXX XXXX took over service with a new box on XXXX but at the same location. I was given the box by my adult son XXXX XXXX XXXX and promptly returned it on XXXX XXXXXXXX XXXX after the holiday. Returned in to the XXXX store and was told my account was paid in full. Then in XX/XX/XXXX I received a notice from a collection agency for {$70.00} which I preceded to go to XXXX different XXXX stores to dispute that I did not owe that amount and they were trying to charge me for service from XXXX XXXX XXXX where they were already charging my XXXX XXXX for the same service at the same address. I sent the collection agency all the paperwork and thought it was over but then they turned me over to another collection agency in XX/XX/XXXX and I tried to speak with a supervisor at XXXX and after talking to and explaining to the representative she placed me on hold several times for over XXXX XXXX and then transferred me finally to a supervisor where the phone line rang XXXX times without anyone answering and then the phone went dead. Then preceded to send the same documentation to this agency and thought the matter was resolved. Then XX/XX/XXXX received a letter from the XXXX different agency and tried calling but was ignored and harassed for payment. I've spent numerous hours proving that it is illegal for them to charge XXXX different people for service at the same address, especially since I had not lived there at the time.
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: I'm working on clearing up my credit report so I can qualify for a home loan. I contacted the company, Enhanced Recovery Co., and paid off the dept. I need to have them delete this item from my credit record but they will not remove it. As long as it there, even showing a XXXX XXXX it will still work against my credit. It will not increase my score at all. So, I need help getting it removed. XXXX XXXX
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ENHANCED RECOVERY COMPANY {$960.00} Open balance XXXX XXXX XXXX XXXX Original creditor I have never had, nor authorized, a XXXX account, neither in New Jersey or Georgia. I I believe some one fraudulently open this account under my name using my information.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 sec 602 states, I have a right to privacy. Under 15 USC 1681 sec 604 section 2, states that a consumer agency can not furnish an account without my written instructions. Under 15 USC 166b, a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any reason.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I'm submitting this complaint in reference to ENHANCED RECOVERY COLLECTION knowingly reporting inaccurate data. My credit is affected by these penalties this look SUSPICIOUS AND DECEPTIVE, I demand " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq
Company Response:
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The bill was paid and the equipment was turned in but then I saw that it was on my credit and I called and they said the equipment was not returned and I finally spoke with someone and they confirmed that it indeed was returned and that it would be handled but it wasnt and it is still on my credit and every time I call someone says something different.
Company Response:
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2022-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have dealt with this on my other credit reports. They have an account showing with sprint, that is fraudulent. It has been removed off of all other reports, except XXXX. The account was never mine, and now its causing me issues with a home mortgage. They offered to let me pay for an account that was not mine, and they would remove it. With me paying off a debt that is not mine!!! I will not, and I refuse to pay something I do not owe!
Company Response:
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I logged into my XXXX account and noticed that I have a XXXX collections but I have never opened an account with them. I have not received a collection letter at my address either.
Company Response:
State: CA
Zip: 90011
Submitted Via: Web
Date Sent: 2022-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My information was exposed on the XXXX XXXX and I am a victim of identity theft. Fraudulent accounts were opened using my name that was not me nor do I have any knowledge of. These accounts are ; XXXX XXXX opened on XX/XX/XXXX with balance of {$9300.00} XXXX XXXX XXXXXXXX opened XX/XX/XXXX with balance of {$1100.00} XXXX opened on XX/XX/XXXX with balance of {$3700.00} XXXX XXXX opened XX/XX/XXXX with balance of {$9400.00} I filed a police report ( XXXX XXXX XXXX ) to report this fraudulent activity.
Company Response:
State: PA
Zip: 19150
Submitted Via: Web
Date Sent: 2022-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: On XX/XX/XXXX, a phone call from a company that pretended to be Enhanced Recovery Company ERC - a debt collector called me Another phone call from the same number came on XX/XX/XXXX. This time I did answered, and the voice asked if my name was XXXX which I responded with a question, who are you? the person asked me if I've had bought or acquired in the past a vacation plan I did reply, I'm not interested on vacation plans and finished the call On XX/XX/XXXX, I did call the real ( legally authentic ) ERC, to get answers on their phone call. The ERC rep stated that they do not have anything on me. No reported collection or anything. So, it was a scammer call pretending to be ERC Immediately, I contacted an identity protection company, which helped me to place a " Fraud alert '' on my credit. Please advise on anything else I can do on this situation Thank you.
Company Response:
State: IN
Zip: 46060
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A