ERC

2019-02-27

Van Nuys, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: AN ACCOUNT WAS TAKEN OUT IN MY NAME UNDER XXXX XXXX WITHOUT MY CONSENT. I NOTIFIED XXXX XXXX OF THE FRAUD AND THEY CLOSED THE ACCOUNT. XXXX XXXX THEN PLACED A NEGATIVE REMARK ON MY CREDIT AND THE ACCOUNT WAS SENT TO COLLECTIONS. THIS SHOULD HAVE NOT HAPPENED AAS THE ACCOUNT WAS REPORTED AS FRAUD.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-26

Harsens Is, MI

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: The company that is attempting to collect from me is XXXX XXXX XXXX. After researching the company and inputting there information into the Department of Licensing and Regulatory Affairs website, I was informed that this is not a licensed company in the state of Michigan. After additional research I am now aware that they are not licensed to collect debt and I am requesting to have this removed from my credit report. In addition, they were unable to validate the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-26

Jupiter, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO L XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-26

Benjamin, UT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-26

GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I recently received a copy of my credit report and I noticed that this company is reporting negative information against my SSN. I have never done business with this company. They have never provided me with any goods or services. I have no contractual obligations to this company yet they have reported to the CRA 's that I indeed do. I am requesting validation. Please send me a signed contract between me and your company. One that I signed and one you signed. Copies of a copy is not legit. I would like to see the contract with my wet ink signature, detailed statements from the last 6 months, and how this alleged debt was calculated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-26

Leander, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-26

Rancho California, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-26

Kelseyville, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-26

Irving, TX

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-25

Buck, PA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I had a account that was closed with XXXX it was a cable bill for equipment not returned after account was closed and handed over to collections I returned equipment in store. However my account was still open with the collections agency I sent a certified letter with receipt attached showing returned equipment letter was requesting validation of debt, No response to this certified letter. No response after 30 Business days So I then filled dispute with XXXX with receipt of returned equipment as well and it was removed off my credit file. This however is now showing purchased through another debt collection agency and I am no longer Liable for this account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-25

Neotsu, OR

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Reporting company used your report improperly
Complaint: Credit reporting companies allow accounts that have nothing to do with credit be placed on credit reports. XXXX should not be allowed to report to a credit report because they offer services and not consumer loans or any form of credit, like credit cards..etc. I ask that XXXX remove the account from XXXX XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-25

Brooklyn, NY

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: I paid account number XXXX off and they are still reporting this account on my credit report. I was told when I pay it that they would update the credit reports and this was never done.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-25

Liverpool, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX SS # XXXX DOB| XX/XX/XXXX To : ERC XXXX XXXX XXXX. XXXX, FL XXXX XXXX RE : Account ERC XXXX Dear XXXX XXXX/To Whom it may concern, Please be advised that this is my SECOND WRITTEN REQUEST. I just received a letter from your company stating that the letter is in response to my request for validation. This is not a request for verification but a request for VALIDATION made pursuant to 15 USC 1692g Sec.809 ( b ) of the FDCPA. I am writing in response to your letter date XX/XX/XXXX in which I asked for validation in accordance with the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) in which you are required by Federal Law to verify through the physical verification of the original contract with my signature on it that you have on file of the account listed in this correspondence. The letter dated XX/XX/XXXX did not supply me with ANY physical validation including my contract with my original signature on the contract as defined by the FCRA as listed above. You have not provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original signature on it ) and under section 611 ( 5 ) ( A ) of FCRA-you are required to..promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy to me for negligent noncompliance ( Section 617 ) if you continue to fail to comply. I am a litigious consumer and fully intend to enforce my rights under the FCRA. Originally the first action I took was to file a dispute about ERC reporting a nonverified on my XXXX Credit Bureau Report with my dispute originally dated XX/XX/XXXX, Dispute # XXXX specifically about the reporting of Enhanced Recovery Account # XXXX which is causing me direct harm by affecting my FICO score and preventing me from obtaining a home loan. I filed a timely request for a reinvestigation of the reporting of ERC with XXXX and the results of Dispute # XXXX for XX/XX/XXXX were as follows : Enhanced Recovery Co XXXX with the outcome : ERC DELETED- This item was removed from your credit report. I am demanding that ERC remove the reporting of the account # XXXX which continues to show up on my XXXX Report and all credit files and a copy of such deletion request shall be sent to me immediately.. I am enclosing the XXXX Dispute with results with ERC deleted per the investigation of XXXX which shows that ERC is reported as Non-verified debt. ERC letter dated XX/XX/XXXX in which you clearly reference Dispute Validation with no validation provided Copy of most recent XXXX Report showing ERC Please delete the misleading information from XXXX within 10 days of receipt of this letter sent USPS Certified Mail. If for some reason I do not receive a return satisfactory response with the removal of ERC from my XXXX Credit Report I will file complain with the Office of Attorney General, and the CFPB ( Consumer Financial Protective Bureau ) and the local XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-25

Granada Hills, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-25

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-25

Atlanta Naval Air Station, GA

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-25

Granada Hills, CA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-24

Gurnee, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-02-24

Beachwood, OH

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-24

Lenoir City, TN

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-24

West Palm Bch, FL

Communication tactics

Debt collection: Other debt

Called before 8am or after 9pm
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-23

Houston, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: After viewing a copy of my credit report, I noticed a collection account placed on my credit report from XXXX XXXX XXXX in XX/XX/2018 in the amount of {$1000.00}. First and foremost, I have confirmed that the debt collector, XXXX XXXX XXXX is not licensed in the state of Texas to collect on this debt. Secondly, XXXX XXXX XXXX violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumers right to dispute the debt within 30 days ( see 15 U.S.C. 1692g ( a ) ). Third, what obligation do I have at all to XXXX XXXX XXXX? I have never heard of them, have no written contract with them and have never received any benefits from them, yet XXXX XXXX XXXX has submitted negative information to all three credit reporting agencies ( XXXX, XXXX and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1000.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-23

Arcadia, NC

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-23

Rochester, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: XXXX XXXX stated and made a negative derogatory claim on my credit report of {$560.00} owed to XXXX XXXX XXXX phone company. I have paid my balance that I owed XXXX XXXX XXXX on XX/XX/XXXX and confirmed it with XXXX XXXX XXXX, they also sent me an email confirming I owe nothing on that account. I have talk to enhanced recovery back in XX/XX/XXXX and was suppose to have all this situated and resolved. As of XX/XX/XXXX when me and my wife talked to enhanced recovery collections they said that we still owe the {$560.00} according to their records and that we only called one time in XX/XX/XXXX. This is false and will release all my phone logs to prove differently. When we spoke to XXXX XXXX XXXX in XX/XX/XXXX they sent out to the XXXX XXXX that our debt was paid in full and XXXX XXXX seems to ignore this. You can not talk to them because all they do is repeate the sentence over and over regardless of the validity of information you have. This issue has killed my credit score, and prevented me to make it better over the past year. Something needs done I can not keep having this stress in my life when I do not owe Anything.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-02-23

Occoquan, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Complaint: I pulled my credit report. Im seeing a lot of collections I am not responsible for. I believe my ex-wife applied for most of the accts she would pass as me and give my information out. I never received anything about these Accts. We have been separated for over 4yrs.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response