Consumer complaint received 2018-03-15
Company: ERC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX For XXXX XXXX XXXX XXXXLast Reported XX/XX/XXXX Collection Agency ERC Original Creditor 11 XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$490.00} High Balance {$490.00} Remarks Placed for collection This is not my account check your records I do not have this debt. I live in AZ Not Calif. 
Notification of Identity Theft to Financial Institution and Credit Grantors XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX/ERC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Fraud Department : Dear Sir or Madam : I am writing to you to report that I may have been the victim of identity theft. ( Check all that apply ) : Please place a fraud alert on the account number referenced at the top of this letter. 

My address was fraudulently changed. Please refer to the correct address at the top of this letter and make all appropriate corrections. The address above has been my correct address for years. 

My checks were stolen or lost. Please close the account and open a new account in my name with a new account number. 

My credit/ATM/debit card was stolen or lost. Please deactivate the card, close the account and open a new one in my name with a new account number.

There are certain account activities/charges on my account which I did not make. I have highlighted these fraudulent charges on the statement ( s ) attached. Please remove these charges along with any finance charges or other charges related to the fraudulent activity. Upon completion of your investigation, please alert the appropriate credit bureaus of the correction to my information. 

I would like to have my account " password flagged ''. Please provide me with the appropriate contact and procedure for having this done. 

X The following accounts were fraudulently opened in my name. Please close these accounts : XXXX XXXX XXXX XXXX Please note that I notified you as soon as I learned of the fraud and I will not be responsible for any charges to any accounts fraudulently opened in my name. Immediately close the account ( s ) and inform the Credit Reporting Agencies that it was fraudulent and that it should be removed from my credit profile. Do not sell or transfer any debts related to the fraud and do not turn these accounts over to a collection agency. Please respond to me in no more than thirty ( 30 ) days of your receipt of this letter. Once you have completed your  investigation, please correct any errors on my account and provide me with an accurate statement of my account. 

Based on Federal Law ( The Fair Credit Reporting Act ) please immediately send me copies of the following within 30 days : 1. The address, phone number and password for the fraudulent account opened.

2. The original application and/or forged signature or electronic information.

3. All copies of billing statements and any other correspondence related to this account.

4. Any other information regarding this account.

5. Any fingerprints, photos, or video of the impersonator.

6. Application records or screen prints of Internet/phone applications.

7. Payments/Charge Slips 8. Investigator 's Summary - electronic or otherwise 9. Delivery address 10. All records of phone numbers used to activate the accounts or used to access the accounts.

11. Any other documents associated with the account.

Thank you for your assistance and I look forward to receiving the information requested above at your earliest convenience. If you have any questions, please call me at or. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation