Date Received: 2021-10-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX an account was opened for an debt that is and was owed by me in the amount of {$120.00}. This was sent to collections and appeared on my credit report as a derogatory mark. I have not received any documentation or correspondence regarding what this debt is in regards to nor how to resolve it ( pay it ). I have disputed this amount twice now, and still have yet to have it removed as of XXXX. I have received false debt collections on my credit report previously as well, so I suspect this may be due to fraud.
Company Response:
State: HI
Zip: 96707
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: ERC is reporting a negative unverified account on my credit report. ERC failed to respond to my debt validation letter sent on XX/XX/2021. ( please see attachment ).
Company Response:
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have contacted the original creditor for these accounts and explained that I have been a victim of identity theft for many years now. This has has effected my life in so many ways. i have sent in prior FTC reports showing that i was a Vitim of identity theft and these companies continue to harass via mail, by phone, and also by reporting negative and false information to the credit bureaus. I have also requested supporting documentation signed by me and there has not been any response
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Credit report showing Ehanced Recovery Company reporting as of XX/XX/2021 {$440.00} XXXX XXXX debt ; however, debt was sold and paid with another company, XXXX XXXX XXXX. We have contacted Enhanced Recovery Company and they ignore deletion requests. They admit they no longer own the debt and that debt was recalled by XXXX ; however, they ignore requests to delete this from my credit report
Company Response:
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2021-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I do not have any account with this company, have never heard of them and this needs to be deleted.
Company Response:
State: CA
Zip: 90272
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I currently have XXXX cable, internet & phone services. My account is current. It is approximately {$260.00} each month. I received a collection notice from a company asking for {$93.00}. I've called XXXX, no definitive answer. I asked how is it I would have current services if I had never paid you {$93.00}. Further more, over the past 12 month period alone, I've paid approximately over {$3000.00} to XXXX. It baffles me how my services remain on & I make payments each month, but somehow this {$93.00} in collections is on my credit report and impacting my score negatively. It has contributed to increased interest rates with other lenders & even credit lines decreased as well.
Company Response:
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I submitted a complaint against ERC for erroneous reporting and collections tactics on a time barred account. Since then, I received verification from ERC that the debt they have attempted to collect and are reporting on my credit reports has inaccurate information, per the documents submitted to me by ERC themselves. This is in reference to a XXXX account, which per ERC records was closed in XXXX of XXXX. The final bill sent was dated XX/XX/XXXX for {$100.00}. The collection account reported on my credit reports is dated XX/XX/XXXX- which is not only incorrect but also after California 's statute of limitations for debt reporting. After the final bill from XXXX, according to the documents sent to me by ERC from XXXX, there was another bill dated XX/XX/XXXX for the amount of the collection, which is {$58.00}. Again, the reporting date of XX/XX/XXXX is beyond the 4 year statute of limitations for debt reporting in California. And grossly incorrect, by a time frame of over 4 years. I contacted XXXX directly and they could not confirm whether or not the bill was paid, as their payment records only go back 5 years. They can not explain the 9 month gap between service termination and the 2nd bill for {$58.00} ; they were also unable to explain why the balance was different on both bills. Again, these debts are unverified as they have no way to confirm that no payment was received. It should also be noted that the communications from XXXX were all sent to an incorrect address in XXXX. From XXXX of XXXX to XXXX of XXXX, we lived in XXXX, CA- which again can be verified by my credit reports. Therefore, the notifications of these alleged debts were not received. In the letter received from ERC there is a phone number to call if I have any further questions or concerns. I have left multiple messages requesting a call back to resolve this matter but have not received a response. My request is that this time barred, alleged debt, be removed from my credit accounts as the information is grossly incorrect, per the records submitted by ERC themselves. This should have never reported to my credit in XXXX of XXXX and I ask that this be resolved as soon as possible.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I call them XX/XX/2021 and they giving me a hard time. I requested a dispute and one of the supervisor ( XXXX XXXX ) giving me a false information and changing a subject. I tried to talk to his/her supervisor and didn't cooperate with me and hangs up the phone.
Company Response:
State: MD
Zip: 20904
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
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: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
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. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on ENHANCED RECOVERY CO L. 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: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2021-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A