Date Received: 2021-05-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against ENHANCED RECOVERY. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
Company Response:
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I DID NOT CONSENT NOR AUTHORIZE THE FURNISHING OF MY CONSUMER REPORT AS A FEDERALLY PROTECTED CONSUMER ACCORDING TO: FCRA 15 USC - 1681b(a)(2) 1681d(a)(1)(A)(B) 1681e(a)(b)(c)(e) FDCPA 15 USC- 1692e(a)(b) ACCOUNT#XXXX***
Company Response:
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2021-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Enhanced Recovery is reporting an old account on my credit file that I would like removed. I have settled the debt with them and ask that this account is removed from my credit file. Under the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to remove any account since you are the original furnisher. I have settled the debt with you and am now asking you to provide a letter to the bureaus stating this account should be removed from my credit file. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.
Company Response:
State: UT
Zip: 841XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Several debt collectors have called me on behalf of XXXX XXXX. The one that contacted me today was ERC. I already settled my debt with XXXX XXXX through XXXX on XX/XX/XXXX i the amount of {$180.00} which is 50 % of the total amount owed. I spoke to XXXX XXXX when I made the payment. The phone number she provided on XX/XX/XXXX was XXXX. She also provided a Ref # that I will provide upon request. XXXX who is also with XXXX, provided XXXX. When I called that number a gentleman answered and said that he would transfer me to the " correct department '' I asked, " What is the correct department? '' He repeated, " I will transfer your call to the correct department. '' I held for approximately XXXX XXXX and then he disconnected the call. Then, I placed a call to XXXX XXXX to ask for a list of their legitimate authorized debt collectors, so I know which ones to report to the FTC. My call was answered by XXXX who stated that her records show that I still owe {$180.00}. I insisted that I do not owe that amount, and I settled for {$180.00} on XX/XX/XXXX. XXXX confirmed that a payment in the amount if {$180.00} was made, but that I still owe {$180.00}. After an unresolved debate, XXXX transferred my call to another representative who could not find an account to match my phone number. He answered the call in XXXX, but I assured him that I am not fluent enough in XXXX for him to take my call. He also attempted to give me instructions to dial in again, and put in a series of " ten zeroes '' as opposed to my actual phone numbers. I stated that I am not willing to continue to follow their instructions, because I have not received a resolution for my request, nor were the seeking to honor my request, but to collect money that is no longer due to them. I informed the representative from XXXX XXXX that I would seek legal action against XXXX XXXX and all of those collecting on their behalf if I receive another phone call, because it is now harrassment.
Company Response:
State: GA
Zip: 30506
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have requested 4 times this company verify the debt through disputes. this company is great at dodging requests. ERC has a habit of losing items in the mail and consumer never recieve them. I have looked up many legal dockets where this has happened. I am requesting they verify the debt through this method not by mail. This company re-ages debts to continue to harrass consumers. Also, when you send the verification response make sure to include all disclosures and my rights. Also, have someone proof read your response for any typos. wouldnt want that to be your excuse.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Reached out to the companies to try and get them to delete said debts off of my credit reports as they were not authorized by me to report anything to my credit reports. I did not sign any contracts nor do I owe any debts to this company. ERC- {$150.00}
Company Response:
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: When I reviewed my credit report I have found items that I have never applied for a credit nor any communication with them.
Company Response:
State: TX
Zip: 77036
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently requested a copy of my credit report and found an account that does not belong to me. I was XXXX during the date that this account was opened.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notification from a credit monitoring website that a collections account was added to my report. I looked at the information for the company, Enhanced Recovery Company, and I have never done business with this company. I have no accounts with a company by this name. I'm assuming it's a 3rd party collection company. I mailed out a letter on XX/XX/2021 asking for debt validation from this company. I have not received any information from this company in response to a debt they say I owe. It has been over 30 days and this is still reporting on my credit report and has caused me harm financially. It has dropped my scores and caused me not to be able to attain funding for my business.
Company Response:
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On multiple occasions Ive disputed a false collection for a XXXX ( no longer in business ) device I never even owned and company refuses to provide proof of. They will not remove account from my credit. When sent complaint by CFPB they state they have no record of my account. This company is XXXX XXXX. Upon my persistence, they assessed a new account identical to the XXXX XXXX account in another name. Enhanced Recovery
Company Response:
State: FL
Zip: 32309
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A