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: MI
Zip: 48174
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Enhanced Resource Centers is a debt collection company based in Florida. Since XXXX, XXXX, this company has been calling me at least once a day, sometimes twice a day, EXCEPT on weekends, from a toll free number XXXX XXXX. Not once has I received any written communication nor a voicemail stating the amount of the debt, the kind of debt, et al. I blocked this number but this company managed to call anyway. I do have an app on my phone that blocks any number of which I am unfamiliar yet this company was able to bypass the block. After much of this harassment, I finally submitted a complaint to the XXXX XXXX XXXX and asked them to help me resolve this problem. I was forwarded a response from Enhanced Resource Centers that was sent to the XXXX stating that " ERC was not made aware that the number we were calling was incorrect for the consumer we were attempting to reach prior to this complaint. '' They then had the temerity to request that I contact them to " add into our internal Do-Not-Call records to prevent further contacts from our office. '' I did not receive an apology either. The person who sent the letter was someone named XXXX ( XXXX ) XXXX who refers himself as " Director of Legal. '' I looked this guy up on the Florida XXXX XXXX website ; XXXX is NOT an XXXX. He DOES have social media accounts however. This company is rated " B '' on the XXXX XXXX XXXX website and with good reason. They have had many people complain about them which complaints are also posted on the XXXX website. This company is unscrupulous in that they continue calling people who may or may not owe money and I even went ahead and requested and received a free credit report to find out if there was a debt that I failed to repay. The credit report came back unblemished which is what I expected. Enhanced Resource Centers needs to be contacted by the attorney general with a cease and desist letter and/or at least be sued for deceptive practices.
Company Response:
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2021-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-28
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 XXXX and I do not have a contract with XXXX plus they did not provide me with the original application like I asked. Account No : XXXX Amount Disputed : {$7600.00}
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2021-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The account has been paid off and its still reporting on my credit. I spoke with the creditor and they said that it would be removed from my report and its still reporting on my credit.
Company Response:
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I asked for copy of bill, because I don't owe that amount. My XXXX account was switch by XXXX XXXX XXXX. Enhanced Recovery ( collection company for XXXX XXXX said they could not give me a copy of the bill, because it's in collection.they also put on my credit report once I applied for a pre approved mortgage loan. Please assist.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: HI ERC & XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for code of ethics violations.
Company Response:
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Today, XX/XX/2021, I received an alert from XXXX and XXXX that. a collection account had been added to my credit report. The collection agency is named enhanced recovery company based in XXXX Florida. this is the 3rd time this company has added a collection account to my credit report over the last three years. this incident involves an account with we energies, with whom I've never had an account. This company has nearly 1000 complaints with the XXXX. most for the same reason I'm making this complaint. This company tries to scam people into paying collections for debts they do not owe. Something needs to be done about them.
Company Response:
State: WI
Zip: 546XX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-23
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: This company contacts me everyday Monday - Friday, xalls repeatedly throughout the day from XXXX XXXX - XXXX XXXX. They do not leave voicemails. The times I answered theres either no response and then call disconnects, Ive spoken to someone who requesting that I verify my information and when I ask whos calling or what its regarding they either hang up or refuse to answer my questions and keep asking questions, the people who call are rude.
Company Response:
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A