Date Received: 2021-10-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect information on my credit report. It has been over 30 days and I have not received any investigation results.
Company Response:
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on ERC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. ERC ( Original Creditor : XXXX XXXX ) XXXX {$360.00} ERC ( Original Creditor : XXXX XXXX ) XXXX {$1000.00}
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery Company has a balance of {$930.00} listed on my credit report. However, I was a victim of identity theft in which I never had an account with XXXX and my personal information was sold.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: They have constantly flagged the same accounts multiple times to the credit reporting agency as collections which continues to drive down my score. It makes it seems as though it is a new report, but its just the same one.These are improper tactics they are using.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I PREVIOUSLY CONTACTED THE COMPANIES AND LISTED SUPPORTING DOCUMENTS BELOW TO HAVE THESE FRAUDULENT ACCOUNTS. I HAVE CONTACTED THE DATA FURNISHER AND ASKED THEM TO REMOVE THE FRAUDULENT ACCOUNTS. ACCOUNTS : 1.ENHANCED RECOVERY XXXX UNAUTHORIZED ACCOUNT 2.XXXX XXXX XXXX/XXXX XXXX UNAUTHORIZED ACCOUNT
Company Response:
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. 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 them from my personal credit file. Thank you. ERC-XXXX-Balance {$600.00} ENHANCED RECOVERY CO L-XXXX-Balance {$600.00}
Company Response:
State: MI
Zip: 492XX
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is in violation of multiple FDCPA laws. I have sent a validation debt letter and also a cease and desist letter over 45 days ago to this company, I have not seen this inaccurate information removed from my credit report. I demand this company to stop reporting inaccurate and unverifiable information immediately and to cease all forms of communication with me through any and all mediums.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.
Company Response:
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a return receipt certified letter to this company and it was received on XXXX @ XXXX XXXX. I have not received any response and it has been 3+ months.
Company Response:
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: I want to have a written letter stating that when I pay this debt off it will automatically be removed from all of my credit report for all 3 credit breuer
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A