Date Received: 2021-03-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response:
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft. The tradeline, which appears on my credit report from ENHANCED RECOVERY CO LLCXXXX XXXX XXXX last reported XX/XX/2021 in the amount of {$490.00} does not relate to any transaction ( s ) credit account I have ever had. It is the result of identity theft. I received a copy of my credit reports and discovered this trade line on my credit report. I did not authorize this account or transaction. I did not apply for any credit with this company and have no existing accounts with XXXX XXXX. Please delete this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act. I have contacted both ENHANCED RECOVERY CO LLC/XXXX XXXX XXXX individually and have not received any reply back
Company Response:
State: AZ
Zip: 85323
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, FL XXXX ) has been reporting on my credit report as a collection notice in the amount of ( {$320.00} ). This collection has been reported as a unpaid balance in collections. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. Collections is not from original creditor. I do not owe Enhanced Recovery Co L ( account # XXXX ) for the amount of {$320.00} I never heard of ( Enhanced Recovery Co L. ) I never did a contract with them.
Company Response:
State: IL
Zip: 60612
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC is trying to collect on behalf of XXXX mobility. I am being billed for a good I never received. Two XXXX, XXXX never mailed has no history of mailing me anything, never activated the never received phone. This has been going on again since XX/XX/XXXX. They all send me to different sections XXXX customer service, billing and collections. Then, collections tells me to contact ERC and they will call and XXXX agent can advice the Bill should be removed. My credit has been negatively impacted. I signed up for XXXX at XXXX, they did not have phones they would be mailed. This was XX/XX/2019. I cant believe they tried to tell me to pay XXXX of the XXXX. I told her not a XXXX for something I did not ever receive.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I learned from my credit report that someone in Michigan had opened a XXXX account under my name. I sent an Identity Theft Claim to XXXX in XX/XX/XXXX. I never heard back. In XX/XX/XXXX I received a Collection Letter from ERC referencing the XXXX account. I have never lived in Michigan. Earlier in XXXX I had been the victim of an identity theft, again in Michigan, when someone purchased a car in my name. That case has been resolved. I placed a Fraud Alert on my credit reports as a result.
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt was reporting This account had been settled years ago. I however, never received any calls, notices, or letters from XXXX XXXX XXXX about this debt. This violates my 30 day right to dispute under the FCRA. This must be removed immediately as you violated my rights as a consumer. I am also aware that while this account is under review you lawfully can not report this on my credit until your investigation is over. If your office continues to report invalidated information to any of the three credit bureaus this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on my credit report by your company I will not hesitate to bringing legal action against you and complain to the Attorney General for the following : Violation of the Fair Debt Collection Practices Act & Defamation of character. During this period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suite . All references to this account must be deleted and completely removed from my credit file and copy of such deletion request shall be sent to me immediately.
Company Response:
State: CA
Zip: 91303
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have been looking at my credit report and it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for accounts with the following : XXXX XXXX XXXX # XXXX, ENHANCED RECOVERY COMPAN # XXXX, XXXX XXXX XXXX # XXXX.
Company Response:
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX XXXX XXXX filed with enhanced recovery collection opened on XXXX XXXX 2020 for {$510.00} with the address of XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX filed with XXXX XXXX opened on XX/XX/2020 for {$1100.00} with the address of XXXX XXXX XXXX XXXX. apt XXXX XXXX las XXXX XXXX XXXX neither of these addresses or accounts are mine and are a result of fraud. i have never lived at either of these residents. I have disputed both of these claims with XXXX. I have also called and notified both companies. I have also filed a police report # XXXX
Company Response:
State: AZ
Zip: 85019
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.
Company Response:
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
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 CO. 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: 77433
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A