ERC

2018-10-09

OH

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I was not contacted or informed of this item, this item was added to my credit report without contacting me, and i have no knowledge of this item. If this is not corrected I will contact my Attorney General.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-09

Los Indios, TX

Incorrect information on your report

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

Account status incorrect
Complaint: Actions taken : called both creditors and advise that I have no recollection, I was told an investigation will undergo and nothing. XXXX XXXX XXXX. XX/XX/XXXX {$1600.00} XXXX XXXX XX/XX/XXXX {$110.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-08

Orlando, FL

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

2018-10-08

Three Bridges, NJ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: checked my credit reports and found a few Derogatory marks in the beginning of the month that I do not recognize XXXX XXXX XXXX. When I called they could not verify my information and/or provide information about the debt claimed that I owe. On my credit reports it shows that I owe them {$860.00} on one account and again another {$1300.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-08

Aurora, CO

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

2018-10-08

Central Park, IL

Written notification about debt

Debt collection: I do not know

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

2018-10-08

Southern Pnes, NC

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: My ex-wife used my name to get a cell phone account that I did not give my permission. Now they contacting me to collect the debt. Because she my name. XXXX XXXX XXXX keep on passing the debt over different collection agency so they can keep affecting my credit score. This debt was made in Alabama, I am in North Carolina been here since XXXX. These people traced me down but can not find her and she is there in Alabama where the debt originated from. Talk to XXXX XXXX XXXX two years ago when this took place and told them this is identity theft. They told me they will take care of it, but they are still holding me responsible.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-08

Gaston, IN

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: Dear CFPB : I found this inscrutable notation on my credit report -- ENHANCED RECOVERY COMPAN # XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Placed for XX/XX/XXXX Balance : {$190.00} Pay Status : >In Collection< Page 2 of 13 collection : Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Date Updated : XX/XX/XXXX Original Amount : {$190.00} Original Creditor : XXXX XXXX ( Cable/Cellular ) Past Due : > $ XXXX< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX Now, there are three things wrong with this collection agency 's attempt to place this on XXXX, XXXX and XXXX -- all three bureaus. First, they are admitting on their own report that whatever creditor they purport to represent only dealt with my " agency or attorney '' -- in short I've never signed a " charter communications '' contract in my life in my personal capacity. Second, I have never lived in Florida, which is maybe where this creditor is from -- at least where the collection agency is from. Third, the amount in question will disappear from my credit in XXXX, which means that it dated from five years ago back in XXXX, and it just now is popping up on my credit, which is highly suspicious. As a bonus problem, the amount is {$190.00}, which of course would be much more than any month of a cable bill..if that's what this at least five year old reported item is in fact representing. Bottom line, I have nothing to do with XXXX XXXX nor this Collection Agency out of Florida and this report is fraudulent. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-07

Clayton, MO

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-06

Traver, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : experian_logo Prepared for XXXX XXXX XXXX Personal & Confidential Date Generated XX/XX/XXXX Report Number XX/XX/XXXX divider About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. Here are your results XXXX XXXX XXXX Account XXXX This item was removed from your credit report. Please review your report for the details. XXXX icon Deleted You can contact XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. Before your dispute : Account Name XXXX XXXX XXXX Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-06

Chicago, IL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2018-10-05

Norwalk, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I've never had XXXX as a service provider. I've been going in circles trying to fight this charge on my credit report but have been unsuccessful.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-05

Bedford, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: XXXX is attempting to collect a debt for services that were never rendered in XX/XX/2015. Three debt collections agencies, to date, have closed the account due a lack of sufficient evidence by XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-05

MO

Incorrect information on your report

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

Information belongs to someone else
Complaint: I disputed a negative entry on my credit reports in XX/XX/2018. This item was listed by a collection agency and the information furnisher and credit bureaus were not able to verify the validity of the information and it was removed. I also disputed the information and requested an investigation under Section 623 of the FCRA with XXXX, who was listed as an original creditor for the information. XXXX did not initially respond and stands in violation of the requirements outlined in the FCRA. This was sent to a different collection agency who placed it back on my credit report. I disputed the information with XXXX XXXX XXXX and the credit bureaus, as it is not mine. I have never had an account with XXXX and no proof of any contract has been provided. XXXX responded many months later after the initial dispute in XXXX, and admitted that they do not have a contract I signed at anytime with them, but insists that this account belongs to me with no proof and refuses to realize an error has been made. The collection agency ERC has not even provided proof they were assigned or purchased the debt as requested. XXXX XXXX XXXX responded to my request for validation with a computer generated printout of the alleged debt that did not prove ownership of the account, which the FTC has issued an opinion that this does not constitute validity under the FDCPA. ERC did not provide sufficient information to verify the validity of the account as belonging to me, however continues to report this information knowing it has not been properly validated. The credit bureaus claim to have verified the information, but this is not possible due to the fact that the listed creditor, XXXX, did not respond and stands in violation of the FCRA, and the fact that the collection agency reporting the debt did not respond with sufficient information to constitute validation. The credit bureaus have not conducted a through investigation in violation of the FCRA. They have not detailed their method of investigation as requested. If in fact they conducted an investigation, which they did not, they would have discovered the information was placed on my report as an error and that there has been no proof of validity or required response from XXXX. The continued listing of this information is a violation of the FDCPA on the part of ERC and a violation of the FCRA by all parties named : XXXX, ERC, and the 3 major credit bureaus, who have not complied with these requirements. To add insult to injury, the collection agency ERC even wrongly noted my credit report that their reporting is accurate and meets the requirements of information furnishers under the FCRA, but it does not. These parties involved have been made aware of the dispute and violations of consumer rights via letters I have written and have been willfully non-compliant with requirements outlined in the FDCPA and FCRA. I have attached the letters I wrote to all parties involved to demonstrate the extent of willful non-compliance on all parts with regard to this matter. The responses given and lack of proper action by ERC, XXXX, and the 3 Credit Bureaus is an attempt to falsely verify the account, to invalidate my consumer rights and violations complaints, and to obfuscate non-compliance with federal statues ( FDCPA and FCRA ) that allow for those consumer rights.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-05

Grosse Ile, MI

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: This collection agency called erc has been harassing me about a XXXX phone bill that is not mine. They show a date of XX/XX/2014 if said account. In the amount of $ XXXX.I 've disputed this several times and it was removed from 2 of the reporting bureaus XXXX and XXXX but still reports on XXXX. I've stated that by the fair credit reporting act states that if I dispute this negative item it must be resolved and removed but yet still remains. They contact me relentlessly to get my debit card information but I refuse to give it to them. Please help. I'm trying to buy a new house and obtain a mortgage and this negative item is holding that up.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-04

AR

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: ERC ONCE AGAIN WENT ON MY CREDIT REPORTS WITH OUT VALIDATION AND NOW MUST CEASE AND DESIST COLLECTIONS. XXXX HIRED MR TO HELP! SEE ATTACHED XXXX.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Timely Response

2018-10-04

New Britain, CT

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: i received an alert on my XXXX, XXXX & XXXX credit report that a collection was added on XX/XX/XXXX. The company XXXX XXXX XXXX XXXX and the amount is XXXX. I have attached communication from ERC on XX/XX/XXXX confirming that the account was open fraudulently and the account does not belong to me. They did delete the information from my credit report IN XX/XX/XXXX but they are now re adding the information back onto my report IN XX/XX/XXXX and THE ACCOUNT STILL DOES NOT BELOW TO ME!! THE ACCOUNT THEY HAVE IS FOR SOMEONE ELSE THAT FRAUDULENTLY USED MY SOCIAL SECURITY NUMBER! AS YOU SEE IN THE NOTICE THEY STATED A " XXXX XXXX '' WHICH IS NOT ME AND THE CONTACT INFORMATION THAT IS NOTED IS NOT MINE! THE COMPANY IS DOING FRAUDULENT THINGS BY REMOVING THE DEBT THAT DIDN'T BELONG TO ME AND THEY ARE NOW RE ADDING THE SAME DEBT WHICH THEY ARE NOT ALLOWED TO DO!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-04

New Bedford, MA

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

2018-10-03

Dothan, AL

Attempts to collect debt not owed

Debt collection: Credit card debt

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

Timely Response

2018-10-03

Brooklyn, NY

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

2018-10-03

Laredo, TX

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

2018-10-03

Indianapolis, IN

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: I received a letter from Enhanced Recovery services stating I had a collection owed to XXXX. I contacted XXXX and was told I had no outstanding debt. I XXXX of this year i had a collection account added to my credit report from enhanced recovery services. I contacted them and try to fight the fact that I did not owe anything. I thought at this point that maybe i had missed a bill during a move so i went ahead and payed the {$380.00} to them. WIthin 60 days of paying enhanced recovery services, XXXX sent me a letter and refund check for the exact amount - {$380.00} proving that i did not owe them anything. I contacted enhanced recovery and they denied removing from my credit report. I disputed the item with XXXX and XXXX XXXX and submitted the supporting documentation. They refused to remove it based on what enhanced recovery stated vs the proof that I was refunded the amount i paid them proving I did not owe them money
Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Timely Response

2018-10-03

Cypress, TX

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

2018-10-03

Leeton, UT

Incorrect information on your report

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

Information belongs to someone else
Complaint: XXXX is reporting several accounts that are not mine. They are the only ones reporting them and they keep claiming they are valid when I dispute them. Yet they absolutely ARE NOT MINE. So I demand to know how they are verifying it because this is Fraud or a mixed file due to my name because this happens often. I am tired of them claiming its valid when they are not even truly investigating it. XXXX XXXX XXXX XXXX XXXX - I do not owe child support! I have my kids and have always had them. I am a single mom. I do not owe this and its not mine! ERC - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis just got placed on my credit recently and I never received notices or anything because it is not mine! XXXX XXXX - XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! THis was also just placed on my credit by this company! How can I have all these XXXX collections???? OMG!!!! it is not mine! XXXX - I CURRENTLY HAVE XXXX FOR YEARS!!! THIS IS NOT MINE!!!!!!!!!! I haven't had XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-10-02

Winter Park, FL

Communication tactics

Debt collection: Credit card debt

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

Timely Response