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 Account # XXXX has violated my rights. 15USC 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 an open end consumer credit plan as late for any purpose.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC has not provided the verification documents that I have requested several times. This account is reporting inaccurately to my credit report.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC has not provided the verification documents that I have requested several times. This account is reporting inaccurately to my credit report.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This was a XXXX XXXX bill that I had in XXXX of XXXX. I was billed for this account in XX/XX/XXXX as well and was making monthly payments to keep the bill from going to collections. I continuously paid this bill up until XX/XX/XXXX and that was the last payment I made before XXXX sent this XXXX bill to a collections company called ERC for no reason because a payment was being made faithfully within 30 days each month. ERC is fraudulently reporting the bill started with them XX/XX/XXXX on my XXXX credit report. This is false, the last activity on this XXXX account was XX/XX/XXXX and verified with the original debtor XXXX. They also repeatedly call two to four times per day and I have had to block every number they call from!!!!!!
Company Response:
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I, XXXX XXXX, consumer, am submitting this communication to inform ENHANCED RECOVERY COMPANY XXXX. XXXXXXXX XXXX {$160.00} that by law, you do not have the right to report inaccurate information knowingly or not without my consent, pursuant to 15 USC 1681b ( a ) ( 2 ). After viewing my credit report, it shows derogatory accounts that I question. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting for validation that you have proof of debt. In accordance to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. I am requesting VALIDATION. Provide me with evidence that I am obligated to pay for the derogatory accounts listed above. If your company fails to comply or respond to this letter within the allotted time of 30 days from the date you receive this letter, this account must be deleted and removed immediately from my credit report.
Company Response:
State: SC
Zip: 29406
Submitted Via: Web
Date Sent: 2022-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I previously closed my cable vision account ( several years ago ) due to irregularities on my bill and sent in the old XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) cable box device. This was previously sent to corrections which I disputed and the collection was removed from my credit. Now recently, this old amount is owned by a new debt collector that goes by Enhanced Recovery Company ( ERC ) and is showing up again on my credit by a different collector this time. I have disputed this, yet again, through XXXX XXXX # XXXX and now taking further actions against these collectors to protect my credit. Please SOMEONE assist. The contact information for this collector is : ENHANCED RECOVERY COMPANY ( ERC ) XXXX XXXX XXXX XXXX, FL XXXX
Company Response:
State: NY
Zip: 11379
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Accounts 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 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX Account # XXXX Original creditor : XXXX FS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: AR
Zip: 72032
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: This account is currently in litigation and has been for several months. XXXX XXXX XXXX allowed someone to create another line in my name and get a phone not once but multiple times. Identity theft. I have reached out to XXXX XXXX XXXX to resolve issue but Ive been threatened by them for non payment. I reached out to a lawyer and the account is currently under litigation.
Company Response:
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX had a collection for atnt in the amount of XXXX that I paid in full, XXXX deleted the collection per our agreement. XXXX then transferred the collection to a new company ERC as if it had not been paid. I never received a letter or phone call from ERC before they put a fully paid collection on my credit report. I called XXXX several times no answer, I called XXXX serval times no solution. I do not have a record of a payment I made over a year ago. In addition my bank recently switched ownership and Acquiring the bank statements is going to take a while if I can find them at all. I have asked atnt to recall the collection they refer me back to the collection agency. ERC says the notes from the previous collection agency states I did not pay the debt because I filled for bankruptcy, I have never filed for bankruptcy. If I shad that would absolved me of having to pay the debt. Nobody is making sense or providing a solution. Please help me remove this paid collection. Im trying to buy a house and I lost XXXX points for a collection I already paid.
Company Response:
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received notification from XXXX XXXX XXXX stating a collection account had been added to my consumer report... I attempted to reach out to the company that listed the erroneous and inaccurate account however was not able to get thru. I wrote company a letter however never received response. This is not my account! It is not even my name! I have had to dispute this exact same account twice already and it was removed however appears to be that it is being sold to different collection companies and listed over and over again! I demand that this be removed immediately.!
Company Response:
State: TX
Zip: 78108
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A