Date Received: 2021-03-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, and I am seeking legal action to have them removed. I don't owe this debt so this is clearly a violation of the FCRA section 602 ( a ) & FDCPA section 809 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: TN
Zip: 37206
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Such as I viewed my credit report and noticed an account that i have never applied for nor had communication with.
Company Response:
State: MN
Zip: 55420
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: ERC collection agency claims I owe XXXX XXXX XXXX money. I do not have an account with XXXX XXXX XXXX of any kind. Never had! The amount claimed is {$1100.00}. Received the letter from them on XXXX. I have called ERC and explained that I had NO account with XXXX XXXX XXXX and it seems like it is FRAUD even how they wanted to make payments to XXXX XXXX or XXXX market. This is a strange? This sounds like crooks to me!
Company Response:
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: They have called multiple times in the past 2 weeks alone I have asked on multiple occasions for them to stop calling. Also they are trying to collect a debt that is in dispute both with the credit bureaus and with the FTC as well and they dont care.
Company Response:
State: MI
Zip: 48340
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/2020, ENHANCED Recovery added a Derogatory mark on my credit report per XXXX. Upon further research this account was transferred/sold and I am no longer responsible for this account. Debtor 's creditor did NOT verify this collection. Also there has been no written form of communication, contract or signature for this accused debt at all. A bill without my signature CAN not validate the debt, therefor anyone can send a bill and say it's mine. According to the FCRA ENHANCED Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Company Response:
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Enhanced Recovery Co L XXXX XXXX XXXX XXXX FL. XXXX Collection opened XX/XX/2020 {$1200.00} Enhanced Recovery is not a license business in the State of Oklahoma, therefore, they can not lawfully report to the credit bureau, XXXX
Company Response:
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2017, ENHANCED RECOVERY COMPANY , LLC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY , LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: OH
Zip: 45039
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX. XXXX, 2019, ENHANCED RECOVERY COMPANY add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ENHANCED RECOVERY COMPANY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Company Response:
State: OH
Zip: 45039
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: On XX/XX/2021, Enhanced Recovery Co add a derogatory mark on my credit report per credit karma Upon, further research this account was transferred/ 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, 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 its mines. According to the FCRA Enhanced Recovery CO has violated my rights as a consumer and Im requesting legal action to remove this amount immediately.
Company Response:
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I started disputing this company since XXXX of 2020 and this alleged debt has been affecting my credit. The debt collector hasn't provided proof that alleged debt belongs to me. This is affecting my ability to get a new home. I don't know why I'm being treated like this.
Company Response:
State: FL
Zip: 32224
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A