Date Received: 2022-07-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX, I advised XXXX XXXX XXXX of a fraudulent order on my account. An individual walked into a store in XXXX and purchased an XXXX under my account. I had numerous calls with XXXX XXXX XXXX and numerous online chats advising them of this fraudulent charge, and I also went to the store in XXXX where the purchase took place to get a confirmation of the order and the video. Unfortunately, the manager could not locate and provide the receipt or the video after XXXX days. After 5 or 6 months, I was told by XXXX XXXX XXXX that the charge was coming off. Three years later, in XXXX, It showed up on my credit through a collection agency. I immediately reached out to the collection agency they told me that XXXX XXXX XXXX confirmed the charge and moved it to collections. I asked them to remove the deliquent mark and needed this to be corrected. I volunteered to pay off this debt, which I did to remove it from my credit report, and I would pursue it with XXXX XXXX XXXX again. I have requested this to be removed numerous times, but they have been unwilling to do so. This is preventing me from closing a loan on our home
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and must continuously monitor my credit as there continues to be fraudulent accounts on my credit file. The fraudulent items are 2 XXXX accounts, XXXX BankXXXX XXXX account, XXXX XXXX XXXX and 2 Enhanced Recovery accounts. These accounts were not authorized by me and are fraudulent.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is not my account Ive never had XXXX
Company Response:
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Company accessed my report fradulaenty and furnshied information with out permission. I was never given written notice. I am writing this letter of my own free will and accord. It has come to my attention that there are inaccuracies on my credit reports and FCRA law commands that they either be verified 1. Provide validation of the debt, that is, the actual accounting. 2. Verification of their claim against you, that is, a signed Invoice. 3. A copy of the Contract binding both parties ( you and them ), and send that letter by recorded delivery so that there is an independent witness to it having been delivered. '' I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding these items listed on my consumer credit report. As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Company Response:
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with a Fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. This happened in the Months of XXXX, XXXX & XXXX - XXXX, XXXX ; [ ERC ACCOUNT # XXXX has violated my rights ; [ ERC ACCOUNT # XXXX has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I had a collection report item from XXXXERC, i called and paid XXXX directly they said they will send me a letter saying they have ERc remove the item from my credit report since i paid them directly. They sent me the letter i forward to ERC and they said they dont delete items off the credit report.Since i paid XXXX directly ERC has no claim on any debt since i paid XXXX directly. there is no collections to report since i paid off the orginal company, ERC has no rights to add something to my credit report since they have no debt to report. I need this removed from my credit report as I am in the procress of closing on my XXXX load for a house purchase.
Company Response:
State: TX
Zip: 75119
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.
Company Response:
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been working on my credit and noticed that I had a collection account from ENHDANCED REVOCERY COL. I was unaware of this debt. I also noticed on my credit report that the original creditor is XXXX who no longer exists. Which for one makes me question how could someone owe for a company that no longer exists. I decided to write them a letter certified asking them to validate the debt. They were unresponsive. I then wrote XXXX asking them to validate the debt and it came back verified but no proof as to what I owe and who I owe was sent to the consumer whose credit is being affected by. ACCT # XXXX is the account at hand I am speaking of. ACCORDING TO 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 a account without my written instructions ACCORDING TO 18 U.S.C.8 The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States , stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Company Response:
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ERC XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX XXXXOMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Company Response:
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ERC COLLECTION AGENCY POPULATED FOR {$75.00} on credit report. They never sent me a letter. Their calls are recorded and two different reps admitted no letter sent. They transferred me to someone else who all of a sudden said they mailed a letter. No letter ever mailed/received and it is on my credit report. I was not allowed under the FDCPA to receive a letter and have my right under that law to dispute. This debtor is unknown to me, I dont have any established accounts with them, they are rude, abrasive on the phone and have violated my consumer rights I want this removed from my credit report immediately. Thank you
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A