Date Received: 2022-08-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I take this quite seriously! You are hurting my credit score! As a customer, you are causing me XXXX I am unaware of the purpose of this account. I have never signed any agreements with this company.
Company Response:
State: PA
Zip: 19151
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: This started back on XX/XX/XXXX, FTC file number XXXX was filed for someone buying XXXX XXXX XXXX merchandise in the amount of {$810.00} two different times, I called XXXX XXXX XXXX at XXXX XXXX on XX/XX/XXXX spoke to XXXX there was nothing in system with my name on it at all, she transferred me to XXXX General customer Mgr who also looked into this and could not find anything relating to me even from the Debt dept. XXXX XXXX XXXX fraud number called was XXXX XXXX XXXX ) XXXX. The address that showed up on credit report is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX, never been to this state at all!!! The agency who was holding the debt was called XXXX XXXX at ( XXXX ) XXXX spoke to XXXX he said it was a Non Existing Account. It was taken off both XXXX & XXXX accounts immediately and I was told that this would happen to all 3 reporting credit agencies so I would not have to call each and everyone of them. XXXX wanted my cc number on page to help me like {$40.00} for something I never needed so I canceled it Now on XX/XX/XXXX suddenly ENHANCED RECOVERY CO L put this debit on my credit report as past due since XX/XX/XXXX. This is not my Debit nor my Charges in Fact I want video and I want signature proof of Purchase I also want stores and address. AGAIN all others removed this fake debit from reporting instantly way back we it first happened all my credit score is XXXX XXXX is always reporting it at least XXXX pts lower how is that even legal XXXX my on my home loan, car loan and now bank loan with the interest rates!!!! Another outdated broken American system
Company Response:
State: MO
Zip: 65616
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Company Response:
State: IA
Zip: 507XX
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have sent in numerous of letters an FTC reports to this company regarding this fraudulent account that was opened in my name. This company has completely ignored my request to have this account removed or investigated properly. This account is hindering me from moving forward in my life. This matter needs to be addressed and fixed expeditiously!
Company Response:
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This company harassment me repeatedly for a debt I didnt owe and violated my rights. I didnt give them permission or authorization to share my personal information and the debt was paid for and they charged me in error. I was closing on my home and they made me pay on a debt I told them I didnt owe and because I didnt know the law I didnt know my consumer rights at the time. I have proof the violated my rights on the invoices they mailed and the multiple calls I received at inappropriate times.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is the third company to try and collect on a debt that was previously settled. This was handled and taken off of my credit close to 5 years ago. I get a call last week from a woman saying that I have another debt from XXXX during a time I did not have XXXX. I had XXXX. She informed me that she would look into it with XXXX and get back to me. 2 days later it appears on my credit even though its already been proven to be false prior and removed. This is getting to the point of harassment. I advised them of this over the phone and she didnt seem to care, when I mentioned bringing this up to my lawyer she quickly got off the phone and continued without any validation.
Company Response:
State: MI
Zip: 48910
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: on XXXX, XXXX, XXXX I looked at my credit report and it went down XXXX points and I saw that there was an open balance of {$300.00} threw a collection agency called Enhanced Recovery Company and the original creditor was XXXX XXXX XXXX XXXX XXXX and it was opened XXXX, XXXX, XXXX. This was very concerning because I have never had any kind of cable service in my name.
Company Response:
State: KY
Zip: 41051
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Enhanced recovery company try to collect a debt from I sent them two certified letters for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Enhanced Recovery Company is the creditor reporting inaccurate information on my credit report.They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I have not got a response back they sent me a bill from XXXX in the mail.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report its well over XXXX days. I am being taken advantage of by the same company and ignored. section 611 ( A ) failure to investigate within XXXX days gives immediate removal from my credit report. I demand these accounts be deleted immediately I have documents to file litigation over stress. 15 USC
Company Response:
State: TX
Zip: 77041
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a bill from ERC in XXXX Florida stating that I owe XXXX. The issue is they are claiming its from XXXX XXXX XXXX who I called and has no record of debt. I was ready to write this off as a scam, except that after reading up on it, they seem to have the ability to put this on my credit report. I cant give them my information now that I know theyre not trustworthy, and I cant just leave it. I need assistance. XXXX actively trying to adopt and also save for a house. This could hurt all of my progress if not corrected and is clearly a coercion attempt that they have put many people through. Here is the information they sent.
Company Response:
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A