Date Received: 2022-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC continues to attempt to collect a debt that doesn't belong to me. I have already disputed this debt. They agreed to close it. Now I receive a letter stating that they have been authorized to report this account to the credit bureaus. They are playing around, this isn't my debt, and again, they keep saying that they have closed the account and they haven't. I am not paying a debt that doesn't belong to me. My next step will be to sue them for the max that the law allows if they do not close this account and stop trying to collect on an account that doesn't belong to me. This is NOT my debt. First they sent this to my parents house at the end of last year. I disputed it and they agreed to close the account. Now they are back at it. This is the last time that I will dispute this. I will hand it over to an attorney if I see this on my credit report.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed the debt with ERC and yet they are still claiming they are trying to collect on behalf of a creditor to whom I allegedly owe more than {$400.00}. This information is false. They have reported this to the credit bureaus.
Company Response:
State: CA
Zip: 90037
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-04
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: " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that I recently became aware of. The item I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time. I've tried to let the company know that this was not me and they refused to remove the account from my credit report.
Company Response:
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name is XXXX XXXX. I received a letter from ERC on XX/XX/2021. The letter is regarding a debt of {$150.00} to XXXX XXXX XXXX XXXX. My wife called the company since my XXXX is limited. I was asked if i ever lived at XXXX XXXX XXXX XXXX XXXX, CA XXXX. To be clear I have never lived at this address and I don't know anyone who lives at this address. I informed the company that I have never lived at this address, that I have never had an account with XXXX XXXX XXXX XXXX, and that I was not going to make any payments on the account because it is not my account or my debt. ERC informed me that I could go to directtv/notmydebt, login, and dispute the account. I asked how I was suppose to log in if i do not have an account with them. ERC provided me with the account number for the XXXX account. I asked if I log in to XXXX with the account number you provide it can be deemed as my account since only the one who created the account would have the account number. The ERC representative replied yes it might. The agent also asked me multiple times, if i ever authorized anyone to open on account on my behalf. Multiple times i responded no I have not. I returned the form they provide where i dispute the account because it is not my debt and asked to be provided with name and address of the original creditor. I also created an account on the ERC website where i submitted a Fraud complaint, a dispute, and a complaint. As i mentioned before although my name is XXXX XXXX. I have never lived at the address they provided XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX. I have never had an account with XXXX. I have never authorized anyone to open an account on my behalf.
Company Response:
State: CA
Zip: 92840
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A debt collector ( ERC ) is attempting to collect a debt from me ( 1 ) that is not mine, and ( 2 ) that I have already successfully disputed with the credit rating agencies last year after the first attempt to collect on this debt that is not mine. The debt alleged is {$970.00} for an XXXX XXXX XXXX XXXX account. I have never had an account of any sort with XXXX ; I am and have been a XXXX customers for my cell phone service, my internet service provider when I lived in XXXXXXXX XXXX until XXXX was XXXX, and my current internet provider in XXXX XXXX is XXXX ( formerly XXXX XXXX ). I have never opened an account for either cellular or internet service with XXXX. I have never done business of any kind with XXXX. I first learned of this erroneous debt collection when it was placed on my credit reports in XXXX of XXXX, and I immediately opened disputes with the credit rating agencies it was reported to ( It showed up on 2 of them : I know for sure one was XXXX, and I believe the other was XXXX ) and those disputes were quickly resolved in my favor and the debt collection was removed from my credit reports. Now ( XXXX of XXXX ) I have received a letter in the mail from : ERC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Attempting to collect on this same erroneous debt that I already successfully disputed last year.
Company Response:
State: SC
Zip: 298XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THIS IS A DIRECT RESULT OF IDENTITY THEFT. XXXX XXXX IS REPEATEDLY REPORTING FRAUDULENT INFORMATION ON MY CREDIT REPORT. NEXT ACTION TAKEN WILL BE LAWSUIT AGAINST XXXX XXXX
Company Response:
State: CA
Zip: 90746
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This debt is not mine this company will not delete this debt off my credit report.
Company Response:
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Filed previous dispute regarding unfair and unlawful business practices that violated my rights as a consumer. Conclusion of the collection agency per resolution letter on XXXX XXXX stated that file had been closed and collection actions were terminated and client being XXXX was aware I contacted XXXX as well and verified this to be true on Monday XXXX XXXX. I have been contacted in the past and present month by 2 collection agencies collecting the same debt with 2 different accounts numbers! I spoke to " ERC '' Enhanced Resource Center and spoke to XXXX XXXX in which I provided a copy of the letter. I spoke to them today in which they advised that this file would be sent to there office of the president. I also received a notification in writing from XXXX XXXX in which are using a different account number and I also have sent them a copy of the attached letter sent to me back in XXXX. I contacted XXXX XXXX XXXX today and spoke to XXXX XXXX at XXXX who seem to not acknowledge the letter that was sent to me informing that the file is closed and collection actions terminated. I have informed XXXX and advised legal matters will follow if this matter is not resolved! The Company that they hired previous XXXX XXXX violated my rights as a consumer, in which the file gets closed, collection action are terminated. Gets closed as a result of that and XXXX acknowledges and now they come back almost a year later and dismiss the agreement made. XXXX Recovery Supervisor has informed me as of today that they have sent the XXXX file that was closed on XX/XX/21 to 2 active collection agencies ERC and XXXX XXXX same amount different account numbers. Both agencies have been sent a copy of the letter dated XX/XX/21.
Company Response:
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery at XXXX XXXX XXXX, XXXX, FL XXXX has been sending me collection notices in the amount of {$490.00}. The collection has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contract with my signature.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A