Date Received: 2023-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Company Response:
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: enhanced recovery added a collection account to my crediy report in 2021 that i contacted them about and set up a payment for settlement and removal of account from my credit report. The account was settled in XXXX of 2021 in the amount of {$480.00} but the account is still visible on my credit report. I have tried to recently contact the company and was informed through automation that my account is closed and has been returned to XXXX. Im confused because the original creditor says XXXX and the collection account is still appearing on my report even though it says closed.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Received a loan you didn't apply for
Subissue:
Consumer Complaint: I am getting multiple calls from ERC representatives, and Ive now received mail from them at my new address. They arent looking for metheyre looking for my ex-husband who Ive been divorced from for two years now. He has never had my phone number ( and Ive been on my own account for at least 3 years now ), and he has never lived at my current address ( which I bought as new construction 4 months ago with my new husband ). I have told them that I am not him, he is my ex, and Ive provided them the correct address. Sadly I dont have his current phone number or I would give them that, too. Every time they call and I explain the situation, they tell me that theyre removing my number and information from their list but I continue to get calls and correspondence from them. I dont understand how theyre getting my contact information but cant seem to find his to contact him since hes the one in debt. They also disclosed how much money he owes them even though I told them I am not who theyre looking for.
Company Response:
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, XXXX vs. XXXX ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response:
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Debt have been paid. Amount XXXX. Reference number XXXX. It's still showing on my credit report. I wasn't aware or notified of the bill/debt. I informed the ( ERC ) ( XXXX ) to remove/delete collection from my credit report after being paid in full.
Company Response:
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery has reported a false {$1400.00} debt to my XXXX credit report. I have never had any relationship with the company they claim it is originally from ( XXXX XXXX ). This report is false and fraudulent. They know the debt is not mine, and Enhanced Recovery is reporting it fraudulently as mine.
Company Response:
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-23
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX XXXX keeps reporting a fraudulent account on my credit report even after they sold the debt to ERC. Theyre ruining my credit when I sent in all the proper paperwork. This account was already removed due to fraud and they keep selling it and keep reporting it to my credit report
Company Response:
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: An account from XXXX XXXX XXXX was opened under my SSN either accidently or fraudulently. The debt is not mine, I have never had any accounts with XXXX XXXX XXXX. From my understanding, the phone number, name, address, etc. associated with the original account are not linked to me, but the account somehow continues to show up on my credit report. I have disputed this account with both XXXX and the collections agencies every time it shows up on my credit report. Every time I dispute the account it is removed, however, every 3 months or so the debt is sold to another collections company and it shows up on my report again. Please help me get rid of this fraudulent account for good, it is ruining my credit score.
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX, I received an alert on my locked XXXX credit file that my credit score had dropped by 100+ points. This was very shocking to me because my credit score had always been over 720. Upon review, I saw that XXXX XXXX XXXX 's collection agency had placed me for collections despite my not having any relationship with XXXX XXXX XXXX. After contacting the collection agency, they informed me that an account had been opened in my name in XX/XX/XXXX with a charge of {$1400.00}. This appears to be that XXXX XXXX XXXX allowed an account to be opened with only basic information ( Name, Address, SSN only ) and no other authentication like driver 's license or credit card, no credit report pulled, and on terms with no upfront payment. In addition, they told me that they sent invoices to XXXX w hich is not my email address. At this point, I filed a police report with the XXXX XXXX XXXX. police and an identity theft report with FTC. In addition, I filed a dispute with XXXX, XXXX XXXX, and XXXX XXXX XXXX providing XXXX XXXX XXXX with the affidavit, proof of residency during the claim, police report #, and FTC complaint #. Despite their inability to provide any proof of delivery of products or services ( at {$1400.00} I am almost positive that they left someone to purchase a phone on terms with no credit report pulled ), they rejected my claim because I did not submit the police report. Upon contacting the police for the report, they told me that they do not provide full police reports and that XXXX XXXX XXXX needed to request that from the police. I feel like I am going in circles between the credit reporting agency, XXXX XXXX XXXX, and the police. My next step is to threaten them with a lawsuit and I am contacting my House representative who I know personally.
Company Response:
State: PA
Zip: 17112
Submitted Via: Web
Date Sent: 2023-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced recovery has been calling me, emailing me and sending letters to my address trying to collect on a debt that does not belong to me. Enhanced recovery has called and threathen me to garnish my pay check and to continue reporting information on my credit report that does not belong to me
Company Response:
State: MI
Zip: 48340
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A