Date Received: 2022-05-25
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: .I filed my orginal claim against this company because they where reporting inaccurate information on my report which they refused to verify belong to me. They responded via CFPB that they would cease all collections activities on the account and I have attached the letter. The same day the repeated harrassed me calling me multple times. I have attached the screenshot. The lady called the first time and I amsweredtelling her not to call back. As you can see they called again and I did not answer. I told the lady on there recorded line they should not be contacting me and it was illegal. She advised she would place me on A DNC list but according to the orginal response from ERC that was already suppose to be done. Another law broken from this company. I have reached out to an attorney to pursue legal matters since they have knowingly harrassed me after There should have been no contact noted in the orginal response
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.
Company Response:
State: AL
Zip: 36608
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company have a collection on my credit report that is not mine and they refused to remove it and delete it.
Company Response:
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
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: This company has reported A A debt to my credit report for A debt that says XXXX. I have never had sevices with this company nor their affiliated company. I sent A written request asking for validation of this debt showing I owed the debt and was never responded to. Instead the company reported this inaccurate information to my credit reports refusing to validate the debt as I requested in writting. There has been no dunning letter at all! FDCPA section 809 ( a ) requires that a debt collector send a written notice containing certain information about the debt and actions the consumer may take in response to a consumer within five days of the initial communication. I was NEVER notified of such debt, I have NEVER had an account with this company nor their affiliated company XXXX. I attempted to see if this company was bonded in Texas to collect since it comws across as A scam. Federal laws protect me from these type of collectors and they have broken several laws by KNOWINGLY reporting false information. When I wrote the letter I advised the cpamy I WAS NOT ASKING FOR A BILL STATEMENT BUT A CONTRACTUAL AGREEMENT SHOWING I XXXXXXXX XXXX HAD THIS SERVICE IN MY NAME! The company REFUSED to provide such validation and instead slapped it on my report. I'm filing the complaint to have A paper trail because next step is an attorney for this fraudulent company reporting information that is inaccurate on my report.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An account was fraudulently open using my information with XXXX & XXXX years ago. Police reports was filed and eventually got XXXX XXXX XXXX and the collection company they hired to removed the collection. Now I see again another collection company has attached this debt to my credit report. This is like the 3rd time Im having to fight to get this collection removed. How many times must I provided documentations and file complaints against XXXX XXXX XXXX to removed this debt
Company Response:
State: IL
Zip: 60473
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act XXXX account # XXXX, ( ENHANCED RECOVERY CO L ) has violated my rights. 15 U.S. Constitution 1681 section 602 A states I have the right to privacy. 15 U.S .Constitution 1681 section 604 A section 2. its stating that the consumer reporting agency can not furnish an account without my written instructions.
Company Response:
State: NY
Zip: 11385
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I contacted the creditor Enhanced Recovery collection ( ERC ) to pay off the balance for the amount of XXXX. We had an agreement such that the account would be removed from my credit report after paying off the balance in full. This payment was made in 2020. I just thoroughly reviewed my credit report from all three credit bureaus only to find that not only was it not removed from my report but also that it contains conflicting information on my payment status. I paid this in full but on my XXXX report, the account status states that it was paid in full for less than full balance. XXXX it show the account was paid off. All in all, I paid the account off and the agreement wasn't followed to remove account from my credit report from ALL credit reporting agencies after I agreed to pay the account off.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ENHANCED RECOVERY # XXXX reported account on my credit report dont have any account with this company never made business and dont your customer person use my information open account with tmobile
Company Response:
State: RI
Zip: 02914
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence, such as a trilateral contract, that I have any legal obligation to pay you. I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me or my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of false and deceptive forms is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will file for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
Company Response:
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-05
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: HELLO TO WHOM IT MAY CONCERN IM REACHING OUT ABOUT ENHANCED RECOVERY BETTER KNOWN AS T-MOBILE THEY KEEP CALLING MY PHONE EVERY DAY FROM DIFFERENT NUMBERS DEMANDING PAYMENTS WHEN THIS ACCOUNT WAS NEVER USED BACK IN XXXX I WAS TOLD IT WAS SOLD TO A DEBT COLLECTOR AND WAS REOPENED BACK IN XX/XX/XXXX THE DEBT COLLECTOR WAS VERY RUDE AND USED PROFANITY WITH ME I DIDNT GET HIS NAME AND THEY ALSO LEAVE VOICEMAILS WITH NO NAME SAYING THAT THEY ARE A DEBT COLLECTOR AND TO RESPOND BACK TO THE CALL OR I WILL HAVE A CHARGE FILED AGAINST ME.I ALSO WAS TOLD THAT IT WILL BE OPEN UNTIL XXXX WITCH IS INACCURATE AND THEY INSIST ON KEEP HITTING MY CREDIT REPORTS.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A