Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act convergent account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Company Response:
State: CA
Zip: 90017
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have a derogatory mark on my credit report from XXXX. My wallet was stolen in 2019 and I started seeing things coming in my name. Inquires and bills. I still have the police report.
Company Response:
State: FL
Zip: 33054
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Received a phone call from ERC XXXX asking to speak with me ( using my married name which has been changed for almost 7 years ). The person was hard to understand but was stating that I owed a debt on my cell phone account XXXX XXXX XXXX, I reported that I have auto pay set up and don't believe this to be my debt, she then asked if the last four digits of my social were ; and gave four digits I don't recall ; they were infact not my social and she said she had the wrong person and hung up. I believe this this was an attempt to get my banking information as she requested card or bank info before verifying anything else and I had to ask her to verify the debt. Since I found this call to be odd as I have XXXX outstanding debt I thought it best to report it as I do not want others to be scammed by this company
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Previously filed complaint, however, complaint was closed without full investigation. ERC is attempting to collect debt for returned XXXX XXXX XXXX equipment. I found the receipt for returned equipment and will attach to this complaint.
Company Response:
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i keep receiving phone calls from XXXX claiming to be ERC collections wanting me to pay about {$1200.00} for a phone bill from XXXXXXXX XXXX XXXX i have never had a account with XXXX XXXX XXXX and when i call XXXX XXXX XXXX they tell me that i do not owe them any money.
Company Response:
State: WA
Zip: 98901
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I noticed a collection on my credit report from Enhanced Recovery Services in the amount of {$200.00}. I have disputed this charge many times with many companies and it has always been found to be illegitimate. It seems to just keep getting bounced from one collection to another when they realize it is not mine. I believe ERC tried to collect it in the past. I have a letter from XXXX XXXX saying that the debt is illegitimate.
Company Response:
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It ha s been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are i n VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A XXXX XXXX I disputed is still on XXXX reporting agencies. XXXX was the only one who removed the collection by Enhanced Recovery Company and the date opened on my reports dont match the paperwork they send to me to prove the debt.
Company Response:
State: TX
Zip: 78596
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Disputed These Accounts as Fraud XXXX XXXX XXXX Opened XXXX & ENHANCED RECOVERY COMPANY Opened XXXX & I would Like them to Be Removed Or Reported as Such as They Are In Violation Of 15 US CODE1681C-2 - a consumer reporting agency shall block the re- porting of any information in the file of a con- sumer that the consumer identifies as informa- tion that resulted from an alleged identity theft, not later than 4 business days.
Company Response:
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have no knowledge or dealing or ever signing any contract and agreement with ENHANCED RECOVERY COLLECTION who flagged my CRA account as Collections on XX/XX/2023. Source : XXXX XXXX : ENHANCED RECOVERY COLLECTION XXXX XXXX XXXX, XXXX, XXXX XXXX : ( XXXX ) XXXX Re : XXXX XXXX XXXX ( Collections Balance Date : XX/XX/2023 Balance : {$240.00} I am currently under the status of Civil Relief Act ( SCRA ), 50 U.S.C. 3952 AB 3212 no jurisdiction as a third-party vendor to flag my CRA accounts . I have already sent all creditors certified mail and cced all CRA bureau. Have whomever you are collecting debt for contact me directly as a ServiceMember under uniform code 50 U.S.C. 3952 AB 3212. I have already sent all creditors certified mail and cced all CRA bureau.
Company Response:
State: AZ
Zip: 85281
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A