Date Received: 2022-03-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Company Response:
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Tried calling to ask for validation of this debt got nothing but put in collections have no written letter regarding this
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This is the third time in the past two years that a collection agency has taken this same tactic to collect {$1800.00}. I am assuming it is again a subsidiary of XXXX XXXX XXXX that has falsely claimed that I used their services and owe them debt. I have disputed and cleared the previous two errors ( or so I thought based on meaningless follow-up communications ). I would try again to work with this new debt collector, but this problem is too pervasive. How can XXXX XXXX XXXX and XXXX ( which was just sold this past week ) create erroneous billing records and then knowingly sell the unverified debt? I called Enhanced Recovery Co L at ( XXXX ) XXXX. I could not get past the virtual operator, who kept demanding account numbers ( that I do not have for this erroneous claim ) as well as my complete social security number ( not just the last XXXX ). I would never trust these people with my social security number. The debt collection agencies change in name, but use the same abusive tactics of submitting minimal, unactionable details only to the credit reporting agencies to damage credit scores in the hope of forcing some type of payment even though nothing is owed ( legitimate or verified ). I have never received any tangible, actionable details in writing or via a call from Enhanced Recovery. How long is this ridiculous practice going to go on? Why don't they have to provide actionable details before they inflict meaningful damage to credit scores with erroneous information? Will I ever be able to make XXXX XXXX XXXX to clean my details out of its system. By the way, I have not used any any XXXX XXXX XXXX service in more than 20 years and I never will again either. I realize that XXXX was sold this past week, but any past billing matter would have been under XXXX XXXX XXXX 's ownership.
Company Response:
State: OR
Zip: 97203
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX went through another collection agency to try and get me to pay a bill already paid.
Company Response:
State: IN
Zip: 463XX
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After reviewing my credit report, I noticed a company ENHANCED RECOVERY CAMPAN. Account : XXXX of which I had no prior associations with, alleging that I have an account with them and owed money. I sent a letter via certified mail on XX/XX/22 asking for validation of this alleged debt & I have yet to have had a response. This company is causing distress, harming my reputation & affecting my credit worthiness.
Company Response:
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon checking my report I came across XXXX inquiry I did not recognize. From a company named ERC who I have never conducted a transaction or business with .They have pulled my report for the second year in a row and the same month without my permission. I contacted the company and they were making claims of me to owe an alleged debt. I disagreed and asked to send me proof of such debt pursuant 15 usc 1692 G .I have not gotten proof of the alleged date to date but the inquiry was unauthorized and I would like to know how they were able to obtain my consumer report without my permission. They have also violated XXXX XXXX XXXX for obtaining my social to use to pull my consumer report .I have attached all exhibits including a demand for payment. I am go to copy and past letter and attach as well .I did not give ERC to Obtain my consumer report this will mark the second time as they ignored all demands first time on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N.H XXXX Date : XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$2000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) XXXX ( f ) ( i )., for unlawfully obtaining my " XXXX '' consumer report on XX/XX/XXXX XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; XXXX. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. XXXXThe purpose is certified in accordance with section XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ). 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section XXXX ( a ) ( XXXX ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. I have not initiated any transaction with ENHANCED RECOVERY MANAGEMENT '', Further, I do not have an " account '' as defined under 15 U.S.C. 1693a ( XXXX ) with Credit for review or collection. Furthermore, under the FCRA, " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both, 15 U, S.C. 1681n ( a ). 15 U.S. Code 1681q - Obtaining information under false pretenses Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title XXXX, imprisoned for not more than 2 years, or both. XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Specified, Remedy : Please send payment Via Check Payable to XXXX XXXX to the address ( XXXX XXXX XXXX XXXX XXXX, XXXX, N.H. XXXX } Yours Sincerely, XXXX XXXX
Company Response:
State: NH
Zip: 03104
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Someone open an account under my name and I went in store and they told me to file a dispute and i did and its very upsetting Because a creditor not supposed to either sell or put fraudulent account on anybody credit and XXXX did that to me and I want everybody to XXXX XXXX is the worse company and I will talk to my lawyer until they remove all fraudulent account from my account because they havent sent me proof that I sign any paper with my name because I never had XXXX they will hear from my lawyer very soon
Company Response:
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is the second time this Account has be placed on my Credit Report as a Collection. The first time was in XXXX of 2021 by a company named XXXX XXXX. I disputed the item and had it removed and now as of XXXX XXXX another company by the name of Enhance Recovery Collections has again placed this account on my Credit Report as a Collection. Under Fair Credit Reporting Act ( FCRA ) once an account is removed from your Credit Report it can not be place on your Credit Profile again. I want this remove from My Credit Report or I will seek damages for ERC failing to comply and honoring my Consumer Rights under 15 USC 1692K.
Company Response:
State: VA
Zip: 23601
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was a regional XXXX for a company and signed up for cell phone service from XXXX cell phones. I made agreement for the business not myself personally. The rate plan and rebates given were all business incentives for the XXXX lines that I contracted for the company. During the time I was asked for personal information and told that the account was solely a business account and I was not on it. Bills were sent and paid by the corporation for 1 year or so. Due to poor service and major increase in prices after 1 year company dropped XXXX and I personally returned the phones to same store I set up account at. After nearly a year XXXX began harassing me for the amount owed which they included phones in the amount even though I returned them. I was no longer with the same company and I explained that and they left me alone. Recently they began harassing me again and reporting it to the credit bureaus as me being delinquent! When I contacted them and asked for the original contract and copies of actual bills that would show that it was a business account and not mine they never produced anything. They argued with me over the phone and told me they had my personal information and they would damage my credit by reporting it as collections. To summarize : The account was for a business that I worked at. The service was terminated by company. The phone were returned by me personally. The amount they want is wrong. The company and collection agency never showed contract or bills because they know the bill and payments came from company not me. They have put it on my personal credit to pressure me to pay something that is not mine. They are causing me to lose opportunities for career advancement and increasing the cost of obtaining loans for me personally. I am looking for legal assistance as well as help from the CFPB to file for harassment and punitive damages because they are abusing the credit reporting system to extort money from me that I do not owe. Now that they have merged with T-mobile I have discontinued doing business with XXXX also.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2022-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A