Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX XXXX posted a collection on my credit report that they purchased from another collection agency ( ENHANCED RECOVERY CO L ), or they change name. Originally, I already filed a disputed back in XX/XX/XXXX. I stated that it was an identity theft. The collection was removed from my credit report. Now it shows up again with a different company. I called XXXX directly to tell them that a drug addict individual that I shared the house with, stole my identity. I opened an account for XXXX internet, and that was it. I didn't open any account with mobile service. The police department can't do anything unless I can get some form of identification from the individual. The guy got evicted couple of years ago when I will living at the old house. There is no way to track him down or known his where about. I didn't know about until last year.
Company Response:
State: CA
Zip: 92704
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I notice that I have some errors in my credit reports and it keeps me annoyed, I want you to remove this fraudulent account asap. ERC ( Original Creditor : XXXX XXXX XXXX ), balance is {$580.00} and account # XXXX
Company Response:
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: No Notice of collection just appeared on my credit report.
Company Response:
State: CA
Zip: 92231
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have no knowledge of this debt and the collection agency has not been able to provide an original contract or documentation this debt is mine.
Company Response:
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried to get Enhanced Recovery to send me over proof of this debt and they have yet to do so. I have tried to despite this with XXXX also and they keep saying the debt has been verified but want provide me with the proof Im asking for if its been verified by Enhance Recovery. Its looking like they cant prove this debt and thats again all my right. I have been trying to get this debt settled since 2020 with both Enhanced Recovery and XXXX this is looking like fraud since neither one of them companies want to provide proof of this debt they claim I owe to Enhance Recovery. They letters I send off to Enhance Recovery regarding this debt they want even respond at all and thats again the law. I understand they have a 30 day investigation to do and send proof of what they claim I owe on the debt they have on my credit file.
Company Response:
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: AL
Zip: 35160
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX was a company that I utilized for less than a month. Just like XXXX XXXX XXXX it was company that I purchased from in store and was lied to. The retail location had reviews from every where that pretty much everyone went through what I had. Service was continually bad in my location at the time of zip code XXXX in XXXX and continued dropped calls when my then employment was based off my cell phone and being able to utilize it properly was tarnished I cancelled and yet again attempted to return the devices. One device was certified pre owned and upon bringing it home we had discovered the employee hadnt done his job and you couldnt hear the other person on the call. And according to the terrible rep were were sold it as is and were stuck with it. We ended up cancelling a few days later when my brand new at the time XXXX as mentioned earlier couldnt keep connection to another call even in an emergency and also couldnt connect to the internet anywhere in my town without XXXX. It was done in good faith to try to return both phones and, again both were rejected. Also this happened in XXXX and this rotten collection agency keeps reporting it as brand new debt which is illegal and harrowing and incorrect. The only thing not clearly defined in the CFPB/ XXXX rules is harassment. And this has been devastating.
Company Response:
State: MN
Zip: 56303
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: At this XXXX XXXX XXXX retail store where this account was created not XXXX single employee held the particular salesman accountable. I called within XXXX days ( trial period ) to either inquire about why my bill was no where near the XXXX $ I was told the total would be with the plan and XXXX device payments or I would cancel. I was informed by customer service rep that since I purchased in store I had to call the exact store to return. Store refused to let me return stating they only will take the devices within a XXXX day period ( not true according to website and rep on phone ) and even tho we were brand new customers it didnt matter to them for any kind of trial on the service period. It was even within XXXX days that I tried to cancel. I still stopped service within that XXXX days but direct location store wouldnt take devices due to their own reasoning that made no sense.
Company Response:
State: MN
Zip: 56303
Submitted Via: Web
Date Sent: 2022-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-02
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: 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! 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection any debt
Company Response:
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX has violated my 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 states a consumer reporting agency can not furnish a account without my written instructions. I filed a dispute with experian the amount is {$380.00} and was reported on 4/27/2022.
Company Response:
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A