Date Received: 2021-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notice that my score went down. I go online to check it. A new collection is on my account. I never applied for service with at XXXX XXXX
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Notice for Proof of Claim Account : ENHANCED RECOVERY COMPANY # XXXX To Whom it may Concern : This is this complaint is submitted Under OHIO LAW U.C.C 1319.12 Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/2021, I received a notification from XXXX regarding a collection on my credit report. After reviewing the report I saw that a collection agency name Enhanced Recovery CO L placed a fraud account on my credit file. I have notified XXXX XXXX XXXX from 2 years ago that this account does not belong to me. I have submitted several fraud documents and sent back to XXXX XXXX XXXX regarding this account. I call ENHANCED RECOVERY CO L and spoke with a gentle man who said his name was XXXX XXXX ID number XXXX. I explain to him that this account was a fraud account and they need to removed it from my credit file. XXXX XXXX stated that they will not removed it nor with they validate the account. Federal law gives you the right to request a debt collector provide proof that you owe a debt. 2 It's the best way to ensure that you're not paying a debt you don't owe or a debt that the collector isn't authorized to collect on. ENHANCED RECOVERY CO L employee XXXX XXXX does not seems to feel that way. I am requesting ENHANCED RECOVERY CO L to immediately removed the fraud account from my credit file.
Company Response:
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This company has been calling my work, and home. Niw sending latters. I told them its not mines. Now the threatened to ruin my credit. Im filing a complaint and want this removed from my credit reports. ENHANCED RECOVERY COMPAN reported a New Account to your XXXX credit file. Source : XXXX Company : ENHANCED RECOVERY COMPAN Address : XXXX XXXX XXXX, XXXX, FL XXXX Business Type : XXXX Balance : {$680.00}
Company Response:
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no affiliations with XXXX ; nor have I In the past.
Company Response:
State: TN
Zip: 38104
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THIS IS NOT MY DEBT AND HAVE ASKED TO THE COMPANY TO VALIDATE, DEBT IT NOT MINE. THIS COLLECTION IS TRYING TO COLLECT ON DEBT THAT I DO NOT KNOW OF
Company Response:
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2021-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I was contacted on XX/XX/XXXX at approx XXXX from a spoofed number. I asked the person calling what the purpose of the call was and who was calling. the gentleman told me that he had all of my information and needed to confirm my identity. I asked several times for the name of the company and why he was calling from a spoofed number. he finally identified the company as ERC but did not state the purpose of the call, instead repeating that he had all of my contact information. He asked if I still lived at an address I sold over 25 years ago and I told him that I did not live there any longer but assumed that he was calling about a debt. I told him that I dispute any debt associated with that address since I rented out my home for a few years before I sold it. I repeated that I would like to know what company he was calling about and when he would not answer I told him to mail me a statement and not call again. It is a supposed debt from XXXX cell phones which I dropped as a carrier 2 years ago. I have disputed this claim for 2 years, I paid off any debt so that I could unlock my phones when I changed carriers. I called and asked for my final bill and paid it in XX/XX/XXXX or XXXX i do not owe XXXX any amount since the call I have received numerous calls from more spoofed numbers and a few emails from ERC. I would like them to stop using spoofed numbers and a clear called ID which they do not use.
Company Response:
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: ENHANCED RECOVERY CO L # XXXX I'm unaware of this account debt and did not have the opportunity to dispute. Please provide validation of debt, method of verification and Assignment of debt for this account. If notification was provided, please provide with CERTIFED MAIL RECEIPT.
Company Response:
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2021-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I do not know or owe, this company ERC {$990.00}. I have never done business with this company. They do not have my signature on a contract with ERC. A dispute has been filed, but it remains on my report. Please have this item removed as soon as possible. It has damaged my credit tremendously.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery Company put two accounts on my credit XXXX XXXX of {$110.00} and XXXX of {$4700.00}
Company Response:
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2021-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A