Date Received: 2021-11-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/20 Dear to whom it may concern, Thanks so much for contacting me and bringing this matter to my attention. I want to get this matter taken care of as quickly as possible. To whom it may concern, I recognize your monthly statement is an offer for me to pay the bill. And I am happy to pay it immediately upon you providing me proof that my signature and note did not pay my account statement in full at the time of closing. By the way, To whom it may concern, please feel free to take me to court because there, I am sure the judge also would love to see your proof that the account was not fully paid at closing. One more thing, To whom it may concern, I noticed your monthly statement had an all caps name on it. That is not my name as my name is written in an upper- and-lower-case grammar style. Im sure the judge would like to see your proof of why you are breaking Federal postal law by writing to me using a fraudulent and fictitious name that is not mine.
Company Response:
State: SC
Zip: 29201
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Alleged Original Creditor : XXXX XXXX XXXX XXXX Alleged Original Creditor Account Number : XXXX Debt Collectors Account Number : XXXX Alleged Debt Amount or Balance : {$640.00} I never received this service from XXXX and the phone service was never activated. XXXX XXXX sent a sim card to use for phone number XXXX. I never activated the sim card / phone and called XXXX XX/XX/2020. On XX/XX/2020 the service was officially cancelled since the service plan was not activated. On XX/XX/2020 I received a credit of {$30.00} from XXXX of a pro rated bill they created since the service was never activated and the account was closed.
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the XXXX and XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the account which is erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the account I am concerned of : ENHANCED RECOVERY CO L - XXXX
Company Response:
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I haven't had an account with XXXX XXXX XXXX for close to 10 years. This collection has to be an error. I never had a four-digit access code which is what XXXX. XXXX requires I input XXXX when I try to call them to tell them this isn't my account that they gave to ERC to collect on. ERC says they can't talk to me about the debt because XXXX recalled it. So no one will help me get this invalid collection removed from my credit reports.
Company Response:
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has repeatedly reported inaccurate and false information on my credit file, and each time its deleted and and then placed back on with a different amount. Im really not sure what kind of game this company is playing but Ive had it up to here. I DO NOT OWE XXXX ANYTHING. I have informed YOU THIS NUMEROUS TIMES. Again, this is not my debt remove it immediately. Im keep being harassed by being called by several different numbers a day by this company
Company Response:
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
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: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The XXXX Credit Bureau is reporting inaccurate information on ENHANCED RECOVERY COMPAN ( XXXX XXXXT ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Despite the multiple previous written requests, the Enhanced Recovery Company , LLC ( Original Creditor : XXXX still remains on my credit report in violation of Federal Law. The 3 Credit Bureaus failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Enhanced Recovery Company , LLC ( Original Creditor : XXXX XXXX XXXX Opened Date : XX/XX/2021 Balance : {$140.00}
Company Response:
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ENHANCED RECOVERY CO L XXXX Balance {$1200.00}
Company Response:
State: GA
Zip: 30071
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: They report two collections account on my credit report Validate the accounts or delete them
Company Response:
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: ERC is reporting this collection and making attempts to collect a debt not owed as this was charged off in bankruptcy
Company Response:
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A