Date Received: 2021-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I XXXX XXXX On XXXX XXXX Sent a Request in according to USC 15 1692 gto Enhanced Recovery Col As of today XX/XX/XXXX, Enhanced Recovery Col has not complied to the debt validation request. Enhanced Recovery has not ceased in their action of collection of a debt not owed.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt with XXXX and I do not have a contract with ENHANCED RECOVERY CO L plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$1400.00}
Company Response:
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2021-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have tried them to stop calling me and have told them I did not open an account with them!
Company Response:
State: CA
Zip: 92316
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am not liable for this debt with XXXX XXXX and I do not have a contract with ERC plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$590.00}
Company Response:
State: FL
Zip: 33884
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I started disputing this company in XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that the alleged debt belongs to me. This is the 3rd time this debt was sold after proving that this alleged debt isnt mine due to the companys insufficient proof and a copy of a printout bill isnt proof this is affecting my ability to get a new home. I don't know why I'm being treated like this.
Company Response:
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An itemized bill does not imply that the debt is valid anyone can send a bill a claim ownership.
Company Response:
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried 3 attempts to contact this company ( Enhanced Recovery Company ). Ive tried contacting their company on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX which is why I have CC CFPB to enforce that I receive what I am requesting as a consumer. I have contacted this company regarding a debt that their office is reporting to my credit report, Ive asked for Debt Validation and still have not received a response. To my knowledge this is violating both the FDCPA and the FCRA. If this company can not send me validation upon my request, and even having to ask for this information 3 times makes me assume as a consumer that this company can not validate this alleged debt. If this is indeed the case, this debt should not be reporting to my credit report. I am asking that they cease all activity of trying to collect this debt and remove it from my credit report. I have gave this company ample time to respond to me. I have asked for validation XX/XX/XXXX and followed up XX/XX/XXXX and no responses neither time and now have sent a letter XX/XX/XXXX.
Company Response:
State: NJ
Zip: 07107
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Despite my ongoing efforts for months on end all three credit companies along with the XXXX XXXX XXXX report negatively to a phone from the phone company who says a received a phone at my porch that never and is now 11 years since it happned. Fraud reports where filed and there should be no reason except extorsion on why these companies decide not to comply with currents FCRA laws that outile cleary the debt is old and should not be resold
Company Response:
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2021-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On XX/XX/2021, at XXXX XXXX ERC called me asking me to verify my identity. After asking the representative several times who she was calling on the behalf of, she stated ERC. I wasn't familiar with the acronym ERC. I then ask her what did ERC stand for, she demanded I verify my identity before she would give me any more information. After the phone call ended I did research and found that the company ERC was a debt collector. According to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692c ( 1 ) At any unusual time or place or at time or place known or which should be known to be inconvenient to the consumer. 15 USC 1692c ( 3 ) At the consumer place of employment.
Company Response:
State: TX
Zip: 77071
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.
Company Response:
State: AR
Zip: 72209
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A