Date Received: 2021-05-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I spoked to an Agent Friday morning ( XX/XX/2021 ) regarding the {$170.00} charge. The {$170.00} is showing up in my credit reporting under Collection. After, providing the agent information. The agent stated they do not have this account. I told him well that's illegal and they need to remove the charge if they don't have the account. The company name is " Enhanced Recovery CO L ''. Phone # XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2021-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Enhanced Recovery is reporting an invalid collection they apparently bought from XXXX. Background : On XX/XX/2016 we purchased 3 XXXX phones that came with a {$300.00} gift card for each phone. We tried to redeem the cards at XXXX XXXX and were denied. We told XXXX about the situation. They told us to mail them the gift cards, and they would give us credit on your account. It was our understanding that our account would be cleared. Apparently they never applied the value of the gift cards, and charged us other fees and interest on the balance and are attempting to collect a debt that was not owed. They even sold the account to a collection agency which is dropping our scores and making it difficult to secure loans.
Company Response:
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2021-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Multiple letters have been mailed off my request to have certain inaccurate accounts removed from my credit report and it has been well over 30 days and I have received no response from the credit bureaus.
Company Response:
State: CA
Zip: 95206
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I would like to have this debt validated that was opened up on XXXX. I have no knowledge of this debt.
Company Response:
State: FL
Zip: 32218
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account already and said that the dispute was complete, and that it was removed from my credit report. Well it is not removed and still affecting my credit. I am attempting to seriously change and better my credit so I would like this off of my report like they say it was.
Company Response:
State: MS
Zip: 396XX
Submitted Via: Web
Date Sent: 2021-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC reported that I owe this XXXX and they put it in collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Company Response:
State: VA
Zip: 23462
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was notified by XXXX XXXX that a debt collector had place a unpaid debt to my credit reports. I had never been emailed, written mailed or called about this debt. I called the company and they admitted they did not contact me. They have stated that they will remove the negative report that they unjustly and illegally put on my credit. But have stated that it will take 5-45 days. That may just be too late. Company information ERC XXXX XXXX XXXX XXXX FL. XXXX XXXX Ticket number for my case XXXX I have never had a debt collection on my credit. I'm 15 days away from signing for my first home loan. My family and I have already given up our current home. What are we supposed to do if my loan is turned down because of ERC illegally putting this bad mark on my credit.? My family and myself are devastated. I am a XXXX XXXX XXXX man with a family that depends on me to provide for them. I have XXXX XXXX XXXX and just came out of a pandemic that has made life very hard for people with XXXX conditions This has dropped my credit score over 20 points and I'm not sure I can rebuild it fast enough to continue with my home loan. I could possibly be sue by the home seller and my family and I will be scrambling to find a place to live. Here 's the kicker the debt was for {$83.00} with a company that I am still a customer with
Company Response:
State: KY
Zip: 42071
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2021 XXXX had a collection agency put a collection on my credit for a XXXX account at an address that is not mine. I found a police report several months ago with XXXX XXXX sheriffs office and provided that to XXXX XXXX XXXX global fraud support. They claim this does not cover XXXX. When I call XXXX I get the runaround. I have tried to buy them with information and they keep trying to collect as well as the collection agency
Company Response:
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2021 I file an FTC identity fraud report for a company name XXXX XXXX XXXX, who said they were acting on behalf of XXXX, and Ii never have an account with XXXX and I kept disputing the account and nothing was ever being done for 6 years of disputing this item on my credit report with the account number XXXX. On XX/XX/2021, XXXX and XXXX deleted the account from my credit report after the new investigation. On XX/XX/2021, I check my credit file for any inaccuracies and unauthorized inquiries I find the same account appeared on my credit report again for the same amount of {$1100.00} under a different collection name XXXX XXXX XXXX. Additionally, another account that I paid and original creditor XXXX XXXX XXXX of XXXX removed the file on my credit report appeared again under the same XXXX / XXXX XXXX XXXX account # XXXX which was the collection company I paid back in XX/XX/2021. I need an investigation into these two company that are trying to defrauding me.
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2021-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After checking my credit report and finding a collection for Enhanced Recovery Company. I had not received any notice from Enhanced Recovery Company regarding the alleged debt. I sent a dispute letter to Enhanced Recovery Company, dated XX/XX/2021 via USPS Certified Mail, requesting further information and disputing the account in accordance with 15 U.S.C. Sect. 1692, requesting that I either receive further validation and verification within 30 days or that the account be deleted from my credit reports. Enhanced Recovery Company received the letter on XX/XX/2021. Enhanced Recovery Company notified XXXX and XXXX of the dispute by adding a comment that the account information was disputed and that is met FCRA. I did not receive a response from Enhanced Recovery Company within 30 days. So, on XX/XX/2021 I sent a second correspondence to Enhanced Recovery via USPS Certified Mail Receipt, requesting that the account be deleted from my credit reports as they did not send a response within 30 days of receiving my certified mailed dispute letter. Enhanced Recovery received my request to delete the account on XX/XX/2021. The account is still showing on my credit reports. I sent letters with copies of the correspondences and USPS Tracking Delivery Confirmations to XXXX and XXXX via USPS Certified Mail Return Receipt, carbon copying Enhanced Recovery on both mailings.
Company Response:
State: MO
Zip: 64055
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A