Date Received: 2021-09-02
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 collections from ERC amount {$940.00} originally disputed ERC successfully taken off my XXXX and XXXX by the collection provider & they been sent info to have it removed from XXXX. XXXX somehow has not take it off my credit report. Already disputed that it was not mines since i've never had XXXX. attached is the dispute letter that was sent.
Company Response:
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been disputing this account with the credit bureaus for sometime now. Each time they would say that ERC would verify the debt. So I took it upon myself to ask ERC for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Company Response:
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX Equipment return amount owed to XXXX. Debt collection Enhanced Recovery Company XXXX XXXX XXXX XXXX FL XXXX Attempt an amount of {$280.00} under XXXX debt through XXXX reports, XXXX XXXX XXXX Returned Equipment And Correct Balance is XXXX owed. Debt is inaccurate documentation provided
Company Response:
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2021-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was notified by another collection about an account previously with Enhanced Recovery Company. The account was settled on XX/XX/2021. I have the receipt to show the account being paid off.
Company Response:
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.
Company Response:
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ENHANCED RECOVERY COMPANIEES AT `ERCXXXX XXXX XXXX XXXX, FL XXXX Has been sending me collection notices in the amout of {$490.00} the collection has been reported as past due. I doXXXX not know this company. I have never done any business with this company. this company does not have a contract with my signature!
Company Response:
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX Has been sending me collection notice in the amount of {$170.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery Company ( ERC ) LLC at XXXX XXXX XXXX XXXX, FL XXXX has been sending me collection notices in the amount of {$3100.00}. This collection has been reported as past due. I do not know this company nor have I ever done any business with Enhanced Recovery Company LLC. ERC does not have a contract with my signature and I do not owe them a debt.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The cell phone that was hacked was purchased from XXXX, this phone was hacked during the XXXX Data Breach. The Collection Agency : ENHANCE RECOVERY is claiming I open an account with XXXX on XX/XX/20 and never paid on this account. The phone I purchased from XXXX was hacked during the XXXX Data Breach. I was told by XXXX to bring that phone in and get another, because the insurance I had I could get another and if anything help to it ( and it did, was hacked as well ) I could bring it back within a certain time period at no cost to me, and sure enough the time period did not expire. I returned the phone to XXXX. I haven't had any contact with XXXX since the XXXX Data Breach.
Company Response:
State: CA
Zip: 90247
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I called ERC debt collection and paid in full the debt owed in the amount of {$540.00} in which I had to fight them for a receipt. Then when they sent me a letter confirming that they were going to do a goodwill deletion letter the debt they was dragging their feet on it. Once I filed a complaint with this organization. To reiterate against me I just received another letter from ERC now claiming that I owe an additional {$96.00} which I do not the amount in which I paid was {$540.00} to pay the debt in full with a goodwill deletion and now they are demanding additional payment in which I am disputing and what to bring there unfair debt collection practices to your attention.
Company Response:
State: TX
Zip: 75038
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A