Date Received: 2021-09-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: After auditing my credit reports, I discovered that Enhanced Recovery Company is reporting an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I am not liable for a debt with sprint, never done any business with Enhanced Recovery Company, let alone have a contract with them. After seeing this account on my report, I sent them a letter asking that they validate this alleged debt and send me the original application, however, they've ignored my rletter I demand that they close and delete this account from my credit reports. Account : XXXX Amount : {$560.00} " open date '' reporting : XX/XX/2017 2017
Company Response:
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2021-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: When XXXX XXXX XXXX can't honor their own warranty and XXXX XXXX to replace a phone. It's on XXXX XXXX XXXX not the Customer. ERC XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX is a Fraudulent company that has already ruined my credit and refused to work with XXXX XXXX XXXX. XX/XX/2021. ERC was reported to the IRS for Felony Wire Tap Fraud and Embezzlement Charges. FCC Was contacted. FBI contacted. Reference # XXXX
Company Response:
State: FL
Zip: 32935
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have disputed this account with Enhanced Recovery Company to no avail. I paid this account a long time ago, when I did the agent I spoke to told me they would remove the account for payment. The account has continued to report to my credit, and my disputes have been ignored. I have never received anything in the mail from ERC. My rights as a consumer have been violated, please help!
Company Response:
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hello I have ENHANCED RECOVERY COMPANY which is under XXXX, I have returned the equipment they have asked me for and they only took off XXXX when it was suppose to be XXXX. I asked XXXX multiple times to send me exactly the bill so I can see why I owe as much when they disconnected my phone so I shouldn't be charged for those month I didn't have service I wasn't on a contract or anything so I am so confused on why my bill is so high. I spoke to a lot of people to see and no-one is able to send me bills proving i owe this money. I have interaction code XXXX, INTERACTION XXXX, Interaction XXXX Every time I call there is a different story first it took them a year to send me a return package they told me that I was able to drop my phone off at XXXX but every XXXX store I went to they said they were allowed to take my phone, Its just so much run around and false communication on there part. They try to charge me for a XXXX that I didn't even have with them it was a unlock phone. This is the second time I've had problems with XXXX my last account I had with a spouse I paid my balance so we can take each other off which was XXXX $ I don't think its fair I have to do this again because I didn't care what i spent i just needed a phone that's why this time I will not just let it slide.
Company Response:
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery Co L at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the about of {$100.00} the collection has been reported as past due. I do not know this company. This company does not have a contract with my signature.
Company Response:
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have sent more than 5 letters to ERC and all 3 credit companies asking to remove a debit that is not mine. ERC has sent me copies of bills as validation of a debit that I never had. The signature is not mine. I'm a male and the copy of the signature is of a female and not even close to the spelling of my name. Each time I dispute the collection each credit company says ERC has certified that it's mine and they keep reporting it. I am sending the same proof I've sent to all 3 companies to show this is not my debit. So how could it be certified?
Company Response:
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2021, I saw this collection on my XXXX and XXXX reports. I never received any information about this debt and I am not familiar with it. It says it was placed in XXXX of 2021. Furthermore, I do not owe a debt to XXXX XXXX XXXX and do not even have services with them as they do not provide internet at my address. I have to have satellite internet because the location.
Company Response:
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2021-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: **Please see my dispute letter information to XXXX below. This so collection agency illegally re-aged the money that I didnt even owe to XXXX XXXX, XXXX my consumer/service provider relationship with this consumer was in XXXX about three years before this XXXX XXXX, XXXX illegally re-aged collection action, and no 30 days notice was given to me before going to report it to my credit file/report thus violating the requisite 30 days due process before illegally reporting to it to the credit reporting agencies. I have disputed it with three times with credit report agencies and have not gotten any relief nor was any document provided to me to justify the collection action. Meanwhile I have credit applications denied because of it, eventhough that is only " collection '' that shows up on my credit and I respectfully request that it be deleted from my credit reports as they did not comply with the requisite 30 days advance notice/ due process to have the so called validated with the so called original debt owner before they start a third party debt collection actions. Please see also, the XXXX customer service email of XX/XX/XXXX. This bill resulted from service not used as I was oversea for mothers burial at the contested time and XXXX cell phone/ service did not work while I was oversea. As their email made clear, it was not equipped to work overseas XX/XX/XXXX : XXXX has processed the following transaction ( s ) today : Reviewed international roaming options available from XXXX XXXX XXXX XXXX voice plan for {$4.00} per month. By this time they returned my inquiry I had already switched to XXXX so this there transaction was moot and dead on arrival " XXXX Customer Account Number Bill Period Bill Date xxxx XXXX XXXX XX/XX/XXXX XX/XX/XXXX Payment on XX/XX/XXXX- Thank you! - {$100.00} '' XXXX, XXXX XXXX XXXXXXXX, XXXX, TX XXXX. Dear XXXX RE : ENHANCED RECOVERY CO L ( ORIGINAL creditor : XXXX Account Info Account XXXX Collection opened XXXX XXXX, XXXX, Account type Collection ENHANCED RECOVERY CO L Original creditor : XXXX {$270.00} Balance updated XX/XX/XXXX I have disputed this erroneous and illegal collection activity on my credit record with you twice and you have refused to remove it from my credit record My next action will be : www.consumerfinance.gov/Complaint As the attached record evidence shows and demonstrate on Monday, XX/XX/XXXX XXXX, the so called Original Creditor sent me the email excerpted below with the original copy of the email attached as Exhibit # 1 demanding that I make my total payment due of {$100.00} on XX/XX/XXXX otherwise my service will be interrupted in six days as the payment of {$100.00} was made on XX/XX/XXXX beyond the six days @ Exhibit # 2 my service was disconnected on XX/XX/XXXX And as I had moved out from XXXX that I got the area code of XXXX. I switched to my local service provider here in Washington D.C and was assigned a XXXX area code by local service provider. I have no record of my service been restored by XXXX after it was disconnected on XX/XX/XXXX, after XXXX was paid in full for the {$100.00}, they claimed was owed to them as of XX/XX/XXXX. And it is preposterous of you and this collection agency to claim that XXXX waited about more than three years from XXXX to assigned account to collection on XXXX XXXX, XXXX. You folks and the so called Debt Collection agency simply re-aged the so called debt, to damage my credit rating. Lastly, this so called debt Collection never issued any notice about existence of any debt but rushed to put it on my credit report, which was the first place I became aware of it. Per XXXX on XX/XX/XXXX : Avoid service interruption Make a payment today account. You are a valued XXXX customer, and we want to work with you to ensure you continue to receive XXXX services. You must pay the total amount due, which includes your past due balance AND your current charges, for your account to be current and to avoid future collection activities. This amount is reflected below : Account number : XXXX Account name : XXXX Address : XXXX XXXX, MD XXXX Amount due : {$100.00} Due date : Today My account was never reconnected, after paying the above referenced amount with XXXX XX/XX/XXXX and I disputed it with XXXX about charges for a service that was more than a projected service utilization that was not used. You dont disconnect a customer and expect them to pay service they didnt use, especially, when they have moved to another service provider. Please delete this erroneous Collection from my credit record that was illegally re-aged for a money that I didnt even owe, and no 30 days notice was given to me before going to report it to my credit file/report Respectfully,
Company Response:
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2021, I received an alert that Enhanced Recovery Company has added an account with an alleged debt on my credit reports. I never received a dunning letter from them to allow me to request that they provide me with the proper documentation to validate this alleged debt. I know for certain I never any business with Enhaced Recovery Company. I need them to close this account with this alleged debt and delete it from my credit reports. Account : XXXX Amount : {$2000.00} " open date '' reporting : XX/XX/2021 XXXX
Company Response:
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2021-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that XXXX and XXXX efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. XXXX and XXXX are reporting inaccurate information on ERC ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response:
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2021-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A