Date Received: 2021-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have disputed an invalid debt that appeared on my credit report from XXXX XXXX XXXX that was opened as a collection on XX/XX/XXXX. The debt was through Enhanced Recovery account # XXXX for {$2100.00}, XX/XX/XXXX. This item was rightfully removed from my credit profile. This debt then reappeared XX/XX/XXXX was removed, and again through XXXX XXXX with a different account # XXXX, and amount {$2100.00} on XX/XX/XXXX. I was able to remove this item again, as it was obviously fraud by both agencies. This item then reappeared on XX/XX/XXXX, from XXXX XXXX
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on it. I was very confused as it said they were trying to collect for XXXX XXXX. I have never had an account with XXXX XXXX XXXX or XXXX XXXX so I'm not sure why they are reporting on my credit. I never received any notices, calls, or notifications about this debt and that violates my 30 day right to dispute. Had I received proper notice they would have known that this account is not mine and it must be removed. I suggest they find who this belongs to.
Company Response:
State: UT
Zip: 84057
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: The account reporting on my XXXXredit score is " fraudulent '' and does not belong to me. I want this account " DELETED '' ASAP off of my credit score, or me and my attorney will take legal action.
Company Response:
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Enhanced Recovery Corporation is reporting an erroneous debt on my credit file and it must be removed. I recently checked my credit and noticed this debt was reporting on my credit file. I have never received any any phone calls or any collection letters or notices about this debt and this violates my 30 day right to dispute. SInce I was not granted that right and it is now reporting on my credit I ask that they remove this collection from my credit report. Under the FDCPA I have to right to request validation of this debt. I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address but a request for validation. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform your offices that if you continue to report invalidated information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. If any negative mark is found or continues to report on any of my credit reports by your company I will not hesitate to bring legal action against you for Violation of the Fair Debt Collection Practices act and Defamation of character. I am also aware that while this account is under investigation you must cease all collection activity. IF you fail to respond to this validation request within 30 days from the day received all references to this account must be deleted and removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Company Response:
State: NM
Zip: 874XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I ordered a XXXX account. When I attempted to install the box, the account could not be set up on the system. After numerous calls, I was forced to give up and returned the equipment. I never received a bill to this day. Last year I noticed a collection company had posted a notice on my credit bureaus. I was never contacted to confirm if the charge was valid. After numerous efforts including contacting your agency, the notice on my credit reports was removed. This affected me for many months. Now once again a new collection agency is posting a collection on my credit report ( agency name ERC opened XX/XX/2020 in the amount of {$490.00} ). Once again I was never contacted to confirm this was an actual valid debt. If you review my credit reports I pay all my bills perfectly and on time. I am being deliberately harassed. Please help me.
Company Response:
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i was a victim of identity theft
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I returned the equipment to charter communications within the 30 day window. I know that because I moved out of state within that 30 day window. ERC for the first time in 6 years regarding the contacted me on the matter. Stating the it went to collections. I disputed it several times with them and stated that it didn't matter if I returned the equipment and that I do not owe the money. ERC told me that there is nothing they could do. Besides waiting 6 years to contact me they also want me to pay a bill when I returned the equipment and had a witness with me. They told me I can keep disputing it but I will still have to pay. XXXX XXXX did not log in my equipment at the time that I dropped it off.
Company Response:
State: GA
Zip: 31558
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Enhanced Recovery Systems is continuingto report a collection account to my consumer credit file. If Enhanced Recovery Company has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsiblefor this account that I agreed to and authorized the alleged debt that Enhanced Recovery Company is attempting to collect. Enhanced Recovery has no legal right to attempt to collect a debt. Enhanced Recovery has not validated this debt nor sent me a notice of collection. Enhanced Recovery is in violation of the FCRA and the FCDPA
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX , and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. ENHANCED RECOVERY CO L bal. {$1600.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX . XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
Company Response:
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XXXX, I sent a letter regarding the accuracy and fairness of credit reporting and I feel as though I am being taken advantage of and completely ignored of my rights as a consumer. I contacted this company asking for validation of the alleged debt and still have not received a response. I also told them that they are not to report any inaccurate or invalidated information to the credit bureaus that could be detrimental, but they continued to which is a violation of my consumer rights. According to 15 USC 1692e, debt collectors may not use any false, deceptive, or misleading representation with the collection of any debt. When this company added inaccurate and invalidated information to my credit report, they were in clear violation of my rights. They are ruining my reputation as a consumer, and according to 15 USC 1681, the sole purpose of the credit reporting agencies is to evaluate the character, and general reputation of consumers. I demand this account be removed from my consumer report, or I will be forced to file litigation due to the extreme stress an anxiety this experience has caused me. Again, I sent letters to this company and no action, other than again violating my rights, has taken place.
Company Response:
State: NY
Zip: 12180
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A