Date Received: 2021-04-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I began services with XXXX in XXXX until current day. I noticed recently they reported a collections account on my credit. I have never received any type of notice or anything. It was done in error being that I am still with them. When I did notice I contacted them on XX/XX/XXXX. It took a while for them to locate an account when in fact i am still showing good status with them. I paid the amount they stated I owed from a previous address upon me transferring from one home to another. Normally my balance is transferred in my bill but for some reason it wasn't for this particular balance and I am sure they must have been sending the correspondence to my old address. I contacted them again on XX/XX/XXXX to ask them to correct this on my report as a deletion because this was done in error on their behalf and not mine. I was unaware. I pay my bill faithfully every month and not once did I get a bill for the XXXX. They created a ticket for this. They also stated they are unsure on how to correct this with the credit bureau which that confused me because they reported it. They had me contact the collections agency on three way and both people said they are unsure on how to delete it as opposed to marking it paid. I am requesting they delete this being that this was their error.
Company Response:
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XXXX a fraudulent account appeared on my credit report from XXXXENHANCED RECOVERY Collections. I never had or have XXXX I have only had XXXX This is identity theft. Attached is a police report and FTC affidavit.
Company Response:
State: CA
Zip: 92614
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Enhanced Recovery Co. LLC placed me in collections for a XXXX Bill after XXXX reflected a XXXX balance when we ended service. We also notified XXXX of my Bankruptcy. I reviewed my XXXX credit report and saw Enhanced Recovery had reported a {$500.00} balance and had been on there an entire year. They had my phone number incorrect as well. We contacted XXXX who removed the debt as it had an incorrect number but damage was done to my credit and interest rates.
Company Response:
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: ERC bought a collection account from XXXX and re-aged it to seem i defaulted in XXXX. that is completely false and illegal. This company is profiting from this.
Company Response:
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i pulled my reports and noticed i have multiple name spelling and social security numbers and inquiries that i am unaware of. listed below are those items and i was unable to get a copy of my equifax report. the addresses listed below i have never lied at maybe a relatives address yet not mines. I am in distress because i never used my credit before nor have i had any bills or debt in my name. These accounts and addresses and social security numbers that are not mines are listed below. XXXX XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER ENDING IN XXXX MULTIPLE NAME SPELLINGS/TELEPHONE NUMBERS XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX OHIO XXXX XXXX XXXX XXXX OHIO NAME ID XXXX XXXX ON XX/XX/XXXXREPORT IS UNKNOWN XXXX XXXX XXXX XXXX IS MY UNCLE WHO IS DECEASED I DONT KNOW WHY HE IS LISTED ON MY XX/XX/XXXX REPORT
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Erc has a Collections on my credit report. That is not mine.
Company Response:
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have been calling every day for several months, looking for a XXXX XXXX, XXXX years old. I am XXXX. The person they are looking for, I believe, is from XXXX, CA. I am sick of these calls. Asking for the debt to be paid. The last incident was on XX/XX/2021. They previously called at XXXX XXXX. They call several times a day. I have Previously informed Them I want the calls to stop.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: As of XX/XX/2021 I XXXX XXXX XXXX took a review of my credit report and I noticed that a company named Enhance Recovery Company is reporting a balance of {$96.00} dollars owed to XXXX XXXX XXXX. I am hereby disputing this debt because I never received notice to dispute this debt via mail and also I am requesting proof that I actually own this debt via signed contract with my signature or any instrument that can solidify my ownership of this account. If neither of these items in which I request can be furnished I am requesting that you remove your reporting from XXXX and XXXX immediately because you are damaging my credit. Failure to do so within 30 days will give me the authority to legally seek remedy for the damages caused by the negative items reported.
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I received notification that this account was added to my credit report. I did not receive a dunning letter. This account says it was opened in XX/XX/2021 and reported in XX/XX/2021. They had plenty of time to notify me of this debt. I want it removed immediately, not sold to another company and returned to its original creditor.
Company Response:
State: TX
Zip: 76179
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts were sold. According to my findings, I am no longer liable for the supposed debt ; additionally, there is no written communication, contract, or signature. FCRA section 609 required you to send the wet ink contract bearing my signature showing that I have contractual obligation to pay you. Furthermore, FDCPA Section 807-8 if you are unable to validate this debt I demand you to request all credit reporting agencies delete the entry IMMEDIATELY!
Company Response:
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A