Date Received: 2021-06-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: ERC. threatened to XXXX and XXXX my XXXX if I didn't pay this debt, I ask them to submit proof that I owe this debt, I was told I would lose my job and they would take my home.
Company Response:
State: MI
Zip: 48219
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: So I have been trying to clean my credit to get a house. So my issue came from Enhanced recovery company. XXXX asked several times if they owned account and they kept saying no, it was placed with them on XX/XX/XXXX or XXXX, not sure what year they said. I examined what I was trying to do, settle and pay off for less. They lady I spoke with didn't have answers and got supervisor. I explained to him what I was trying to do and the settlement offer didn't work with what funds I had. I then asked him several times if they owned the account. They said no. Then guy was just rude and I examined that there were issues with the actual bill. He said I couldn't do another dispute because I had just done one. I explained I didn't even know process. I pushed a couple buttons on XXXX XXXX and it Saud it was disputed. He then told me XXXX couldn't contact original creditor because they weren't in charge of account. I found out they were the owner of account and I could dispute and explain my issue with higher source in collection agency, but wasn't given that opportunity.
Company Response:
State: FL
Zip: 32312
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: HI ERC ; 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 XXXX XXXX XXXX for code of ethics violations.
Company Response:
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After sending them a letter to verify a XXXX account that they claim I owe for {$1000.00}, the company Enhanced Recovery Company , LLC ( ERC XXXX replied back to me on XX/XX/XXXX with a letter indicating that they could not verify the debt and will ceased all collection activity as well as deleting item from the consumer reporting agency. However, on XX/XX/XXXX, I received a letter from ERC stating that I have a debt and I owe XXXX for {$1000.00}. This company keeps trying to claim a debt that I do not own.
Company Response:
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2021-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/XXXX, I received a letter from ERC about a collection account with XXXX XXXX for {$460.00}. This account was open in XX/XX/XXXX and closed in XX/XX/XXXX. After reading and going through my accounts with my fiancee, we decided to send a debt validation letter to the company, ERC. On XX/XX/XXXX, I sent a debt validation letter to this company. After waiting for a response to the alleged claim, I received several alerts that a new collection was placed on my credit report. ERC placed the collection on my ( 3 ) credit reports before validating the debt. Upon further review, I contacted ERC as to why the debt wasn't validated and no immediate answers were given. All they claim that they were contracted by XXXX to collect the debt. As a record keeper, This debt was bought from XXXX XXXX back in XXXX and not from XXXX XXXXas they claim.
Company Response:
State: LA
Zip: 703XX
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2021 I was alerted by XXXX that a new collection had posted to my credit report. I have never received any correspondence at the address where I live, nor any phone calls regarding any businesses with this company named " Enhanced Recovery Company '', and do not recognize any of the information associated with collection account. This is a violation of the FDCPA. I have requested that the company validate the account associated with the alleged debt and remove it from my credit report immediately.
Company Response:
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I am a victim of Identity Theft. As a result, a phone bill was manufactured in my name. I went down to my local police department and filed a police report with the direction of XXXX. The collection account placed on my credit from XXXX XXXX in this regard was deleted. That said, Enhanced Recovery collection agency has placed the them account on behalf of XXXX on my credit. I have never received a notice from them they just placed the account on my credit- if they would have contacted me the would have known this is a fraudulent account.
Company Response:
State: CA
Zip: 94608
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ERC, as well as as XXXX XXXX are reporting the very same account in collections from XXXX. This is a violation of FDCPA/FCRA regulations. Complaints to be filed with both Ohio Attorney General as well as CFPB. This double-dipping in credit reporting has had a significant, negative impact on my CBR.
Company Response:
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX of 2019 I contacted XXXX XXXX from XXXX XXXX XXXX regarding a collection with XXXX XXXX XXXX. I scheduled automatic payments through my checking account every 2 weeks starting XX/XX/2019 until debt was paid in XX/XX/2019 to the total of {$1500.00} XXXX XXXX paid every 2 weeks ). Last month ERC came up on my credit report for the same company XXXX XXXX XXXX for the amount of {$1500.00} this debt has been paid with the original creditor and I have my statements and bank info to show it has been paid. I would like ERC to remove that derogatory collections on my credit report because it is showing up as a new collection when it is not. This is poor practice of collecting a debt that is finalized.
Company Response:
State: WA
Zip: 98404
Submitted Via: Web
Date Sent: 2021-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is my second time disputing these accounts that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : -XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX
Company Response:
State: OH
Zip: 43201
Submitted Via: Web
Date Sent: 2021-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A