Date Received: 2021-05-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2021 I reviewed my credit report with XXXX. I had noticed a collection item was placed on there for XXXX XXXX in the amount of {$6800.00}. Account number displayed was XXXX. I called the collections agency which was named Enhanced Recovery CO L with a phone number XXXX. I spoke to the Office of the President. I advised the rep who answered there are multiple violations regarding the FCRA. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you ERC has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Also ERC did not send me a letter in writing to give me any notice of such debt. They are legally to send me a letter in writing allowing me 30 days to dispute the validity of a debt in which they did not. They put it on my credit report with no notice. I requested proof bearing any documents with my signature on it with ERC 's company documents or any letterhead. They have been unable to provide proof of my signature on any of thier company documents.
Company Response:
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent a debt validation request to Enhanced Resource Center and they never responded and added a collections to my report without answering my debt validation letter. I have also paid this with the original creditor XXXX for {$1400.00} in full. they refuse to remove this from my credit report.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have not interacted with the company but the debt is showing it as a recent debt and i know its been longer than 7 months since i became delinquent, its been 5 years. they are wanting {$770.00} and i was only suppose to pay {$440.00} $ but it went up to {$770.00}. I havent had any contact with " XXXX '' But it seems the info is incorrect. Im looking for some kind of help to see if this matter can be resolved?
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2021-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Ive been seeking validation for the derogatory item reported to my credit report since XX/XX/2021 and the debt collector has failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Company Response:
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2021-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Enhanced Recovery Company is trying to collect a debt on behalf of XXXX for the amount of {$1300.00}. It's reporting on all three of my credit reports as a collection account. Account # XXXX. They verified the account but has yet to send me proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in this matter. Absent of such proof, they must correct any erroneous reports of this past debt as mine. They have threatening me over the phone using abusive language which is a violation of the FDCPA. I have writing Enhanced Recovery to request that they please provide the following information : 1. Please provide evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is their authorization of law for your collection of information? 3. What is their authorization of law for your collection of this alleged debt? 4. Please evidence their 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. They have yet provided this information which is in violation of the FDCPA
Company Response:
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, New York XXXX Social Security # XXXX DOB : XX/XX/XXXX I hereby make a ghost-letter attempt to a resolution on various credit items and/or items of public record that currently show on XXXX, XXXX XXXX XXXX and XXXX respectively. My position is legal based upon sections of the Fair Credit Reporting Act as well as the Fair Debt Collection Practices Act. These laws are to make sure that a level and fair playing field exist to protect American consumers from abusive reporting procedures on credit reports, as well as illegal and deceptive collection practices. I stipulate at this time that are no condition am U making an identity theft claim or accusation, so I demand that policy be adhered to by all creditors and respective credit reporting agencies. Amended consumer rights Fair Credit Reporting Act Public Law 15 U.S.C. 1681 : https : //www.consumer.ftc.gov/articles/pdf-0111-fair-credit-reporting-act.pdf Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I especially desire compliance under the 84-month timeline for deletion of negative information, with the deletion of the account details altogether. My dispute is quite specific in the exception area posted below : 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ], Section 609 of the Fair Credit Reporting Act ( FCRA ), Disclosures to consumers [ 15 U.S.C. 1681g ] ; Section 610 ( a ) ( 1 ) [ 1681h ], and 611. CREDITOR CONTACT INFORMATION : ENHANCED XXXX CO L XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. I am posting this dispute through the Consumer Financial Protection Bureau, the governing body of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Please respond to this dispute within 30-days as mandated within federal guidelines. Sincerely, XXXX XXXX
Company Response:
State: NY
Zip: 122XX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I checked my credit and found a collections account with the original creditors name as XXXX XXXX, ENHANCED RECOVERY COMPANY is the debt collection company who took over the debt. I for one never opened a XXXX account on XX/XX/2020, or ever for that matter. I have paid all my bills all my life yet this collection agency resided to provide actual signatures or proof of use since this looks very much like ID theft. I have asked them several times to discontinue threatening me at work with legal XXXX and to provide an actual account number and date of service. When I mentioned the ID theft CPFB they said I was " on XXXX and should learn to pay my bills. ''
Company Response:
State: CA
Zip: 91741
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never had a XXXX phone in my name
Company Response:
State: NY
Zip: 10705
Submitted Via: Web
Date Sent: 2021-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A fraudulent account with XXXX XXXX was opened in my name. I never initiated or have ever had an account with XXXX XXXX. Subsequently, the unpaid account was sent to Enhanced Recovery Company , LLC who has been attempting to collect on the unpaid account. XXXX XXXX will not be able to furnish proof that I ever initiated the opening of any account with their company, including any signed documents in my name permitting them to begin service. I have never inquired about starting service either in writing or by using their website. Again, any account in my name through XXXX XXXX was opened fraudulently. The collection amount is {$300.00}.
Company Response:
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2021-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I found out through my credit report that Im in collections for a debt I previously reported as not mines in XX/XX/XXXX from XXXX XXXX it was removed from my credit report. Now it seems Enhanced Recovery Co L has started to report this on my credit report on XX/XX/XXXX as I stated earlier I didnt have an account with XXXX cell phone carrier so I dont know why they are steady trying to get money from me for a service I didnt have. I also want to know what cell phone carrier let 's a bill reach to {$5300.00} before cutting it off that seems like a shady business practice. I want this derogatory remark removed from my report ASAP. I also called and reported to XXXX in XXXX of XXXX that I received an alert about my social security number being used in Colorado for phone services ( I live in XXXX ) the person I talked to told me someone tried to get phone service but was denied.
Company Response:
State: IL
Zip: 60645
Submitted Via: Web
Date Sent: 2021-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A