Date Received: 2021-08-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: ERC keeps calling my cellphone number to collect a debt for a XXXX XXXX. There is no XXXX XXXX at this number and there has NOT been a XXXX XXXX at this number for over 20 years as I have had this number for 21 years. Every time they call, I have notified them that they have the WRONG number, that there is no XXXX XXXX at this number, that I don't even know a XXXX XXXX, and ask them to stop calling. Yet, the repeatedly keep calling me over and over asking for XXXX XXXX. In addition, when they call they do not identify themselves or the company. There is no caller ID either. The repeat calls are annoying and getting ridiculous.
Company Response:
State: CO
Zip: 80130
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: " ENHANCED RECOVERY '' Account # XXXX at XXXX XXXX XXXX XXXX FL XXXX ( XXXX ) XXXX Has been sending me collection notices in the amount of {$510.00}. The collection has been reported as pass due balance. I do not know this company. This company does not have a contract with my signature.
Company Response:
State: NY
Zip: 10031
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Company Response:
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Enhanced Recovery CO L is reporting an account from XXXX account number ending in XXXX in the balance of {$2800.00} on my credit report I have no knowledge of this account and Im asking this collection agency to furnish full proof that this belongs to me and if no proof is given within 30 days by law under FCRA this needs to be removed from all three credit bureaus immediately
Company Response:
State: CA
Zip: 94578
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery XXXX at XXXX XXXX XXXX. XXXX, FL XXXX alleges I owe them {$3500.00} and has been sending me collection notices. The company is reporting the collection past due. I do not know this company and have never done any business with them. The company dose not have a contract with my signature or and proof to Validate I owe them.
Company Response:
State: CA
Zip: 92376
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Company Response:
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
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've Reached out to XXXX, about an account I believed that was reporting inaccurate information on my credit report. Account Name : ENHANCED RECOVERY CO L ( Original Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2020 Balance : XXXX Reason : This account is showing a past due balance on a closed account which is a violation of the FCRA please deleted this account immediately per the FCRA and also the date open in this account was reported wrong and this account was verified how is that possible ... Now knowing this and understanding the laws that protect me and several other consumers from this happening they have not followed the rules and guide lines set forth for proper investigation because if they did this information would have been addressed by either being deleted or corrected and neither have happened so it is a blatant and false item that has plaguing me in trying to pursue a home and has been for over a year. I want this file removed Immediately before a suit is to be filed against the harm its causing me and my family ... Please see the attachment as my proof that this account is and has been reporting inaccurate on my credit report and blatantly getting ignored.
Company Response:
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Company Response:
State: IN
Zip: 46123
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have contacted enhanced recovery company in regards to my credit report. I have been a victim of fraud. I sent enhanced recovery company a copy of my FTC affidavit via certified mail. I have an account on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to enhanced recovery company to remove this fraudulent information from all three credit bureaus ( XXXX, XXXX, XXXX ) and enhanced recovery company disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay enhanced recovery company and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Company Response:
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery Company continues to assert that I owe a debt to a phone company that I have not done business with in years. This is not my account and I don't owe any money to XXXX.
Company Response:
State: WA
Zip: 98277
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A