Date Received: 2021-07-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I don't remember that I had an account with this collector/creditor. I've asked multiple times to send proof of ownership but you haven't complied with my request yet.
Company Response:
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2021-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
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 also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: OH
Zip: 43219
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery Co at XXXX XXXX XXXX. XXXX, FL. XXXX has been sending me collection notices in the amount of {$550.00}. The collection has been reported as past due. I do not know this company. I have never done business with this company. this company does not have a contact with my signature.
Company Response:
State: GA
Zip: 30813
Submitted Via: Web
Date Sent: 2021-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
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 also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: A company called Enhanced Recovery Company ( " ERC '' ) has been attempting to collect a disputed debt. The alleged debt is for {$110.00}, which originated from XXXX XXXX XXXX ( " XXXX '' ). I first disputed the alleged debt with XXXX in XX/XX/XXXX. Sometime thereafter, XXXX sold the alleged debt to a collection agency in Texas called XXXX XXXX. XXXX XXXX engaged in harassment and other unlawful collection attempts. I twice disputed the alleged debt with XXXX XXXX, in writing, on XX/XX/XXXX, and XX/XX/XXXX. I never heard back from XXXX XXXX after my second letter. It appears that ERC ( the company that is the subject of this complaint ) acquired my account from XXXX XXXX. Because I previously disputed the alleged debt in writing with both XXXX and XXXX XXXX multiple times, ERC very likely knew, or at least, should have known when it bought my account from XXXX XXXX that the debt had already been disputed. Despite ERC being on notice of my prior dispute, ERC, on XX/XX/XXXX, reported my account as Collections to XXXX and XXXX. Additionally, ERC reported such negative status to these credit agencies without first providing me with any notice that it acquired my account. The first I learned that ERC acquired this account from XXXX XXXX was when I received notice on XX/XX/XXXX from XXXX and XXXX that ERC had negatively flagged my credit report. Apart from ERC failing to provide me any notice before providing a negative " collections '' report to XXXX and XXXX, which is the main part of this complaint, given past events, I'm very concerned that this problem may never go away. In other words, each time I dispute this exact same alleged debt originating from XXXX, the collection agency apparently just sells it to another collection agency, and that subsequent collection agency once again tries to ding my credit report. It's a never ending cycle. I.e., an alleged debt, once disputed, can apparently be sold to another collection agency, which then resets the clock, requiring me to start the dispute process all over again. How will this problem ever go away, unless I just succumb to what is essentially extorsion? I would like my complaint to apply equally to XXXX, as they breached the internet service contract in the first place by raising my rate during a 12-month fixed price contract. More specifically, about halfway through the contract, XXXX contacted me, claiming that the sales rep misquoted the price. Thus, according to XXXX, they had to raise my monthly fee, despite that the 12 month service contract had already been in effect for about 6 months. I decided to cancel the contract when XXXX refused to honor the contract price. However, XXXX continued to bill me at the increased rate. XXXX made it exceedingly difficult to cancel the contract. Each time I called, they would transfer me around to various departments, putting me on hold for literally hours. Sometimes they would simply disconnect the call. I finally sent a written request to cancel service. Only then did they cancel, but it took them two months to shut off service, and they billed me for that extra time. This entire ordeal has been over-the-top unethical, and likely unlawful. Starting with : 1. XXXX trying to overbill me and breaching the 12 month guaranteed fixed rate contact. 2. XXXX not timely cancelling my service. 3. XXXX selling the alleged debt to XXXX XXXX. 4. XXXX XXXX repeatedly harassed me, and ignored my initial requests to stop contacting me. 5. XXXX then sold the collection account to ERC. 6. ERC reported my account as a " Collection '' on my XXXX and XXXX credit report, before notifying me that they bought the account from XXXX XXXX. ERC only sent me a " Notice of Rights '' letter AFTER I disputed the negative collection report that it made to XXXX and XXXX. ERC and XXXX ( and any other collection agency that buys this bogus debt account ) should be sanctioned. Thank you.
Company Response:
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Company Response:
State: KY
Zip: 42223
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Last mth, on or about the day of XX/XX/21, I finished paying enhanced recovery company. They've said that they contacted the credit bureas, but the bureas still showing a balanced left to be paid on the reporters website. Now, I've sent the reporters a copy of a letter from erc. Still waiting to be updated on their reporting website.
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Company Response:
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: Everyday in the month of XXXX XXXX and XX/XX/2021 ENC has been harassing me, My family members and any contact they can find and they refuse to send me proof that they own the debt. They have called and left messages with family repeatedly even though they have asked them not to call. They will ask family if they are me and refuse to remove their phone number. They will laugh in the phone when asked. They call my phone and minutes later I will get phone calls from family on a debt they have not proved that they own or is authorized to collect. This debt is over 4 years old according to them and I still have a phone plan with this company. The same number that they call me on with XXXX. They call more than 3 times a day to me or multiple family member including my XXXX year old. I have continusily block numbers and they call on new ones. I need your help
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A