Date Received: 2021-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Enhanced Recovery is currently reporting a false account to my credit file, this account is the result of an XXXX XXXX XXXX. During this breach, my personal information was stolen and used to open accounts against my knowledge. Please see the attached documentation.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear ERC ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your 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. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XX/XX/XXXX andXX/XX/XXXX for code of ethics violations.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: debt company agreed to remove from credit report once paid in full. Debt paid, but company still reporting debt. Please remove debt per agreement. I have a whole new walmart card. if XXXX approved me for a new credit card why are you reporting an old account, that erc agreed to remove once paid.
Company Response:
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Company Response:
State: CA
Zip: 92555
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Enhanced Recovery Company ( ERC ) is failing to uphold Federal Law, regarding reporting 100 % accurate information ; ERC is reporting INACCURATE, unfair information on my credit profile, which is affecting my ability to obtain credit. I've communicated to ERC, via certified mail, with return receipt, on two ( 2 ) separate occasions ; my first letter to ERC was received and signed off on, on XX/XX/2021 at XXXX, and the second letter was received on XX/XX/2021 at XXXX. I havent received any correspondence, whatsoever, from ERC, nor have they removed this inaccurate, negative information on my credit report, and its been 13 weeks, or 91 days since theyve received and signed for my first letter! ERC is reporting inaccurate information on my credit report, and refuses to remove it.
Company Response:
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In approximately XXXX I accrued a debt issued from XXXX. I had received information at around XXXX through a third party XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX ). I had settled with them XXXX XXXX account XXXX XXXX XXXX XXXX on XXXX, where it was established that this account was removed from my credit reports with the three majors. The original debt was not removed. It was then sent to ERC XXXX XXXX XXXX XXXX, FL XXXX and once again paid in full on XXXX with confirmation on XXXX. It still remained on my credit reports, this time through ERC. Then of XXXX XXXX I had seen a reduction in my credit score once again associated with ERC and XXXX. I once again settled and resolved. No removal was issued, no refund because the account was already settled with XXXX XXXX Services, and still this account is reflecting negatively on my report. Account reference numbers for ERC are XXXX. The account was paid the third time with ERC on XXXX XXXX. Once again, this still stands on all three major credit reports of mine through XXXX and ERC, after already being resolved yet never removed through XXXX XXXX XXXX.
Company Response:
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XX/XX/2021 A derogatory mark on my credit report per XXXX Upon further research, this account was transferred/ and or sold. And I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was NO written form of communication, contact or a handwritten signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, ( collection agency ) has violated my rights as a consumer and Im requesting legal action to delete this account immediately.
Company Response:
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is no written communication or any legal proof for the alleged debt to claim ownership anybody can send a bill but that doesn't mean the debt is legitimate. I do not recall being associated with this company. FDCPA section 809 states if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!
Company Response:
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2021-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Approximately three-four years ago I started to received letters and calls regarding this debt. I advised the company the debt was not mine. I disputed the debt in writing and by phone multiple times. In fact, when I called the company, they confirmed the debt was not in my name. It wasn't until many calls and letters later they changed the debt to my name. In fact when they finally sent the debt to a third party collection agency, the collection agency stated another persons name. I advised them the debt was not mine. that I never had a XXXX account. I hired an attorney and the attorney corresponded with the collection agency and with the original creditor, XXXX. The attorney received validation of the debt which confirmed the account was NOT in my name. The debt was removed from my credit and I never heard from them again. For a short time the debt was deleted from all three major credit reporting agencies. Recently the debt showed up on my CBR again. I believe this may as a result from XXXX being sold to XXXX. I called XXXX to confirm they do not have my debt and they do not. I have no outstanding bill with XXXX and I do not owe this bill to XXXX. The bill was fraudulently placed in my name by the original creditor. Validation of the debt and the original contract proves this. I have had the same phone number with zero issues and zero late bills or payments for many years. This can be confirmed with XXXX. I am requesting a thorough review of this debt and ask that it be deleted from all three major credit bureaus immediately.
Company Response:
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2021-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2020, Enhanced Recovery Co. added a derogatory mark on my credit report. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, Enhance Recovery CO has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all credit bureaus.
Company Response:
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2021-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A