ERC

2018-07-13

Brooklyn, NY

Written notification about debt

Debt collection: I do not know

Notification didn't disclose it was an attempt to collect a debt
Complaint: I have an unknown derogatory mark on my cerdit report .... I am unaware of this debit .... I have not done business with this company .... I have not received any letters .... this company has shown has a collector for XX/XX/XXXX .... I have not been notified! I have not done business with this company
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-13

Biggs Park, NC

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

2018-07-13

Ft Lauderdale, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I contacted ( 2 ) collections agents XXXX, XXXX and ERC who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 ) reporting bureaus XXXX ; XXXX XXXX and XXXX by certified mail and enclosed copies of the letter sent to XXXX, XXXX and ERC ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-12

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

2018-07-12

Norwalk, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: To whom it may concern, I had an account with XXXX XXXX prior to leaving my apartment. When I moved I called and tried to cancel my account. Instead, the representative convinced me to place the account on hold until I found a new location to live. It took me about 3 months. When I called to reactivate my account I did not agree with the balance owed and asked them to terminate my account. I do not feel that the balance is correct. I have tried for years not to resolve this account. The representatives are always rude and unwilling to work with me. I truly believe this balance to be incorrect and request immediate deletion from my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-12

Greenwood, IN

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

2018-07-12

Bremen, GA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I had an account with XXXX XXXX and my XXXX XXXX XXXX phone broke so I sent it in so they could send me a recovery phone. I never received the new phone and they sent me a letter saying they never received my phone. Now Im seeing on my report that I have a {$710.00} collection for said phone Im assuming. I ended up switching to XXXX XXXX after that.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-11

Arsenal, PA

Written notification about debt

Debt collection: Other debt

Notification didn't disclose it was an attempt to collect a debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-11

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: The collection agency mailed a collection notice on XX/XX/2018 to an address that I no longer reside. I did not receive the letter until 2 months after it was mailed because I have not resided at that address for more than 2 years. The debt is not mine and I do not owe any funds to the collection agency. I mailed the CA a debt VALIDATION ( not verification ) request letter via certified mail on XX/XX/2018. On XX/XX/2018, I received a letter from the CA in response to my request for debt validation. The company sent a copy of a bill that included my name, previous address, and dates during which I was not living at that address or in that state. Not only does this information fail to satisfy the criteria for proof of debt validation, but I believe this information was obtained under false pretenses. Much of my personal information was leaked in the recent XXXX and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-11

Houston, TX

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: A collection just appeared on my credit file from this company ERC, not once have I been contacted I disputed this with the credit agencies as I never received verification, notice and it is inaccurate.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-11

Atl, GA

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

Timely Response

2018-07-11

N Brunswick, NJ

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: Persons in charge, This complaint is in regards to a collection that has been reporting on my credit report from XXXX. I have contacted the Collection Agency in effort to rectify this debt and they refuse to resolve it by providing proof that this account is mine. On XX/XX/2018, I sent a validation and verification letter requesting original contract, original signature and payment history. In response, they sent me an itemized telephone bill. The proof they sent to me isnt satisfactory proof. Under the FDCPA, if the collection agency doesnt validate a debt, then they can no longer collect the payment and they are required to stop contacting me and remove the debt.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-10

Okc, OK

Threatened to contact someone or share information improperly

Debt collection: Other debt

Contacted your employer
Complaint: To start with they put on my credit opened XX/XX/XXXX. This account was opened in XXXX and I moved somewhere where they didnt have services! They have called me multiple times and called my employer at XXXX XXXX. The balance is {$110.00}. This should be removed from credit and for them to quit harassing me!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-10

TX

Took or threatened to take negative or legal action

Debt collection: Other debt

Seized or attempted to seize your property
Complaint: Mother XXXX XXXX XXXX XXXX XXXX XXXXr for 2-3 days. She had cancelled her lifeline services to keep her cell phone which she could not get to when she fell. She cancelled the cell phone with XXXX XXXX XXXX so she could reactivate and afford to pay for her lifeline services. After more than 60 years with XXXX XXXX XXXX and XXXX XXXXXXXX she was told there would be a {$400.00} cancellation fee. She explained she could not afford to pay this. She still has her XXXX XXXX XXXX land line. She has been receiving harassing and threatening phone calls and written correspondence. She was told they would take this money out of her bank account. My mother is XXXX years old. This has been very upsetting to her. It is unbelievable that this blue chip corporation would go after a XXXX year old lady would nearly died because she cancelled her lifeline to keep a cell phone that could not help her lying on the floor for days.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-10

Encino, CA

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

2018-07-09

Discovery Bay, CA

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: On XX/XX/2018, I sent XXXX XXXX, a cease and desist letter by certified mail that was signed on XX/XX/2018. On XX/XX/2018, I sent XXXX XXXX another letter via certified mail that was signed on XX/XX/2018. To date, XXXX XXXX is still reporting collection activity to all Three Credit Bureaus. They are not in compliance and have violated the FCRA and FDCPA. Please see attached evidence
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-09

Troy, OH

Incorrect information on your report

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

Account information incorrect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-09

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I was looking at my credit reports, and do not ever recall owing these people any money. Enhanced recovery, is wrongfully reporting me to XXXX. I demand a verification in writing of this amount owed, which im entighteled to under the fair credit reporting act within 5 days in writing. i
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-09

Charlotte, NC

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

2018-07-09

Victorville, 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

2018-07-09

CA

Communication tactics

Debt collection: Other debt

Frequent or repeated calls
Complaint: repeated phone calls by computer. I would answer phone and no one would be on the line, I would have phone calls in my voicemail that no one left a message. All the calls were identified by my caller ID so I know what one 's were from the same company. after a month or 2 of this I received a letter demanding payment for a debt I didn't owe. The next time the number showed up I would answer and no one would answer when I answer the phone finally today I just stayed on the line until someone finally came on it took a while but after getting company online they said I owed money to it was confirmed that I didn't owe any money. I felt harassed by their computer calls that I kept answering when there was no one on the phone or no message on my voicemail. This could have been solved with the first call if it had been a person calling me and not a computer
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-06

Pensacola, FL

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

2018-07-06

Chicago, IL

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

2018-07-06

Chicago, IL

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

2018-07-06

Mabank, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: ENHANCED RECOVERY COMPANY IS TRYING TO COLLECT A DEBT THAT ISNT MINE. XXXX XXXX FOR XXXX DOLLARS. I DID NOT OPEN ACCOUNT WITH XXXX XX/XX/2018. THIS IS FALSE. PLEASE REMOVE FROM ALL THREE CREDIT REPORTING AGENCIES.THANK YOU
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response