Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC reported a fraudulent account on my credit reports. On XX/XX/XXXX I sent them a certified XXXX Demand Letter, informing them of their inaccurate reporting and requesting validation of their claim. Under MA general laws a collector has XXXX days to provide proof. I also informed them under MA XXXX XXXX XXXX XXXX : Unfair Practices ( XXXX ) : it is NOT legal for a debt collector to place their name on a MA resident credit report. ERC did not reply ( no validation ) However, they did remove their listing from my XXXX and XXXX. They continued to report account due with XXXX. XX/XX/XXXX I sent them a XXXX certified XXXX Demand notice informing them they are continuing to report and attempting to collect upon a fraudulent account. They failed to reply. In XXXX and XXXX I sent disputes to XXXX informing them of the inaccurate reporting. ERC " validated '' that their listing was accurate. In XXXX I sent then a XXXX notice and XXXX XXXX the MA XXXX 's office. ERC provided a statement claiming I owe. No contract showing my signature, no proof the account was mine. No acknowledgement that they are continuing to report illegally in violation of MA laws. I would like the fraudulent account removed.
Company Response:
State: MA
Zip: 02119
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This account is not mine. I am not responsible for this account. I never signed a contract with this account. This is a forgery! This account did not even provide any documentation proving that it is mine.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have disputed this collection account numerous of times with Enhanced recovery company XXXX XXXX XXXX XXXX XXXX. This company deletes the account just to add it back months/years later after not sending validation of the debt from the previous times it was disputed. Its getting a bit frustrating having to deal with this company after they have failed to validate this debt and ignoring your letters
Company Response:
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have disputed the incorrect information on my reports and they're coming back with the same information just updated but no explanations of when and where proof of the account to open them information about it nothing is being described to me I'm completely at a loss
Company Response:
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In accordance with the fair credit reporting Act ( Enhanced Recovery Co L Acct # XXXX ) & ( XXXX XXXX XXXX Acct # XXXX ) & ( XXXX XXXX XXXX Acct # XXXX ) & ( XXXX. XXXX, XXXX Acct # XXXX ) has violated my constitutional rights. 15. U.S.C. 1681 section 602 A. states I have the right to privacy 15. U.S.C. 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions.
Company Response:
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, ERC failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. ERC Account Number : XXXX As a consumer by law this account must be deleted immediately. Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. ERC Account Number XXXX XXXX As a consumer by law this account must be deleted immediately. Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. I do not consent to these proceedings. I do not require subrogation of the bond to settle the charge. On the date XX/XX/2022 XXXX XXXX, agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ON XX/XX/2022 I FOUND OUT I WAS A VICTIM OF IDENTITY THEFT. I REPORTED THIS TO MY LOCAL POLICE AND FILED A FTC AFFIDAVIT. I CONTACTED EACH COMPANY THAT HAD REPORTED FRAUD ACCOUNTS IN XXXX. EACH ACCONT HAS BEEN CORRECTED BUT XXXX WHICH WAS PURCHASED BY ENHANCED RECOVERY. I AM NOW AWARE THAT THIS COMPANY IS IN TOTAL VIOLATION OF NUMEROUS OF MY RIGHTS UNDER THE FCRA AS WELL AS THE USC. FOR STARTER THIS COMPANY IS IN VIOLATION OF FCRA 615 ( F ) ( 15 USC 1681M. IT IS ILLEGAL TO PURCHASE OR TRANSFER A DEBT CAUSED BY IDENTITY THEFT. THIS COMPANY IS ALSO IN VIOLATION OF 15 USC 1692G ( A ). THIS COMPANY NEVER CONTACTED ME ABOUT THIS DEBT PRIOR TO PLACING THIS DEBT ON MY CREDIT. AS A CONSUMER, I HAVE THE RIGHT TO DISPUTE A DEBT PRIOR TO IT BEING PLACED ON MY CREDIT. THIS COMPANY HAS FAILED TO FOLLOW THE STANDARD GUIDELINES OF DEBT COLLECTION AND I AM NOW SEEKING REMEDY. AS STATED, I HAVE ATTEMPTED TO RESOLVE THIS ISSUE IN XXXXXX/XX/2022. ACCORDING TO 15 USC 1681C ( 2 ) ANY COMPANY THAT FURNISHES INFORMATION TO ANY CONSUMER REPORTING AGENCY SHALL HAVE IN PLACE REASONABLE PROCEDURES TO RESPOND. THIS COMPANY HAS NOT RESPONDED TO ANYTHING. I HAVE REPORTED THIS COMPANY TO CONSUMERFINANCE.GOV AND I AM 100 % PREPARED TO SUE THIS COMPANY. UNDER 15 USC 1692K A ( 1 ) I AM ENTITLED TO ACTUAL DAMAGES SUSTAINED BY THIS COMPANY REPORTING THIS DEBT AS WELL AS ALL COURT AND LAWYER FEES. I AM AGAIN ASKING THIS COMPANY TO REMOVE THIS DEBT AND MY INFORMATION FROM THEIR DATABASE OR MYSELF AND ATTORNEY WILL PROCEED WITH COURT FILING.
Company Response:
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I had an account with XXXX XXXX which was opened in XXXX or XXXX. I defaulted on the payments in XXXX or XXXX. The account has apparently been sold to a collection company, ERC, without my knowledge. No one has ever reached out to me in reference to the old account, and now I see that it has shown up on my credit report with new activity in XX/XX/XXXX. That is inaccurate and I would like it removed from my credit report.
Company Response:
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORT THAT NEED TB BE REMOVED RESULT OF IDENTITY THEFT
Company Response:
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Communication regarding dispute was sent to ERC on several occasions with the last mail sent XX/XX/2022 for charges in the amount of {$1600.00}. Delayed or no response received from company. This agency is reporting an account on my credit report and have no knowledge of. I do not have a contract or agreement with this company and would like this removed from my FTC report and all credit bureaus.
Company Response:
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A